1. Standard format of handwritten IOU:

IOU:

I (borrower) Wang Moumou borrowed (lender) Ding Moumou RMB ( Uppercase) 10,000 yuan, lowercase 10,000 yuan.

The loan period is from xx, month xx, xxxx, to xx, month xx, xxxx, ***xx months. The interest rate is x% per month. All principal and interest will be paid in one lump sum on xx, month xx, xxxx. Pay it off.

If the borrower repays the loan in advance, the lender must obtain the consent, otherwise it will be deemed invalid.

Liability for breach of contract: The borrower must pay a penalty of 10% of the total amount of the loan if the loan is overdue; at the same time, the lender has the right to privately sell any assets or shares related to the borrower to recover the loan , which needs to be resolved through the appeals court, the borrower shall bear all additional costs incurred.

Borrower (signature) ID number: XXXXXXXXXXXXXXXXXXX

Guarantor (signature) ID number: XXXXXXXXXXXXXXXXXXX

2. Notes on handwritten IOUs:

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1. It is best to include the ID numbers of the lender and the borrower in the IOU, so as to avoid unnecessary disputes.

2. When the borrower signs, the lender must see his signature with his own eyes to prevent the borrower from using someone else to sign and ultimately refusing to acknowledge the IOU.

3. The writer of the IOU must be the borrower, not the lender, otherwise the borrower will argue that the content of the IOU is not the original text.

An IOU is a written document indicating the relationship between a creditor and a debtor. It is usually written and signed by the debtor, indicating that the debtor has owed the creditor the amount specified in the IOU. An IOU is a note written to the other party when borrowing cash or items from an individual or a public person. It is an IOU.

After the money and items are returned, the note maker will take the note back and invalidate or tear it up. It is a certifying document. Usually used in daily life and business management.

From a legal perspective, an IOU is a written document indicating the relationship between a creditor and a debtor. It is usually written and signed by the debtor, indicating that the debtor has owed the creditor the amount specified in the IOU.

Baidu Encyclopedia--IOU