Legal basis: Article 197 of the Contract Law stipulates that a loan contract shall be in written form, unless there are other agreements on loan between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.
Pay attention to the following questions when writing IOUs:
1. It's best to attach the ID numbers of the lender and the borrower in the debit note to avoid unnecessary disputes.
2. When the borrower signs, the lender must see his signature with his own eyes to prevent the borrower from signing with others, and finally refuse to recognize the IOU.
3. The borrower must be the borrower, not the lender, otherwise the borrower will argue that the content is not the original.
4. Try to avoid using different languages. Simple and semantically simple IOUs are the most standard IOUs. Avoid vague language like "A borrows money from B", because it is easy to tell who is the lender and who is the borrower. At the same time, please use good quality paper for long-term storage, and try to write with black ink pen if possible.
Finally, if there is a witness, in order to increase the credibility, please ask the witness to sign the loan slip.