Generally, capital letters shall prevail. However, the amount determined by the court will be combined with other evidence. According to China's relevant laws and regulations, IOUs are definitely valid on the basis of loans recognized by both parties. However, if the amount on the debit note does not match the case, it is necessary to determine how much the other party borrowed. When a problem is found, both parties can first determine which amount it is. Write another correct IOU. Don't try to save trouble, it will be very troublesome when there is a dispute. Litigation may not get the desired result.

First, how to write the loan?

1, written upward, with the title at the head and the word "IOU" written in the middle;

2. The legal names of the borrower and the lender should be written on the IOU, and the names cannot be replaced by lowercase or nicknames, otherwise the IOU will not be protected by law;

3. When writing IOUs, you can ask the borrower to attach the ID number after the legal name to avoid mistakes.

Second, how to write the loan in capital?

1, please fill in the figures in Chinese characters in block letters or running script, such as one, two, three, four, five, six, seven, eight, nine, ten, hundred, thousand, ten million, yuan, angle, minute, zero and whole. Do not use one, two (two), three, four, five, six, seven, eight, nine, ten, pronounce, send, or another (or 0) to fill in, and do not create simplified words.

2. In Chinese measure words, the word "Quan" (or "Zheng") should be written after the word "Yuan", and the word "Quan" (or "Zheng") can be omitted after the word "Jiao" (or "Zheng"). There are "points" in the number of words, and the word "all" (or "positive") is not written after "points".

3. In Chinese, the word "RMB" should be marked before the amount in words number, and the word "whole" (or "positive") should not be written after the amount in words number.

4. In Chinese, the word "RMB" should be marked before the number of amount in words, and the number of amount in words should be filled in immediately after the word "RMB", and no spaces should be left. If "RMB" is not printed before the number of amount in words, the word "RMB" should be added. The fixed words "thousand, hundred, ten thousand, thousand, hundred, ten thousand, ten thousand, ten thousand, yuan, jiao and fen" shall not be pre-printed in the "amount in words" column of bills and settlement vouchers.

5. When there is "0" in Arabic lowercase numerals, Chinese capitalization should be written in accordance with Chinese language rules, the composition of numerals and the requirements of preventing alteration.

6 Arabic numerals should be preceded by the symbol "RMB". Lower-case Arabic numerals should be carefully filled in, and confusion is not allowed.

3. What is the main content of the IOU?

1. The full legal names of the borrower and the lender shall be clearly written.

2. The loan amount should be clearly written, including the amount in words and figures.

3. The term of the loan should be clearly written, including the start and end dates of the loan and the clear term of the loan.

4. The specific repayment date should be clearly written.

5. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the final loan interest amount (including the amount expressed in words and figures) should be agreed.

6. The repayment date, month, day, time and payment method of the loan principal and interest should be clearly written.

Legal basis:

civil law

Article 667

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.