The basic contents of the IOU include: creditor’s name, loan amount (domestic and foreign currency), interest calculation, repayment time, default (delayed repayment) penalty, dispute resolution method, as well as the debtor’s name, loan date and other essentials. As long as the creditor's name, loan amount, debtor's name and loan date are present (even if they are added later), they meet the main requirements of the IOU and are therefore legally valid. Once a dispute arises, it can be used as evidence to claim creditor's rights in the People's Court, and the People's Court will also accept it.

IOU

Reason: Due to personal financial constraints, I borrowed ×××1,000 yuan (one thousand yuan) today.

Borrower: ××× (signature) )

Borrowing date: April 1, 2009 Repayment date: August 1, 2009

IOU

Party A and a certain year and a certain month How much money is borrowed from Party B on a daily basis, the loan period is xx, and it is agreed to be repaid on a certain day of a certain month and year, with interest... If Party A cannot repay it on time, how much liquidated damages will it pay?

Party A’s signature

Date

IOU

Party A’s xxx (ID number: *****) is borrowed from Party B now xxx (ID number: *******) RMB ***** yuan. (Capital letters)

The loan period is: **** year, from **month** of **** year to **month** of **** year.

The loan interest is: **..

Borrower’s signature

Date