What problems should I pay attention to when writing IOUs? People often ask for advice. They lend money to others, but they don't know how to write IOUs, and they don't know whether there is a standard IOUs format. In fact, the IOU represents the loan contract relationship. The borrower borrows money from the lender and the lender pays the loan. The IOU itself is not a loan contract, but generally only the proof and voucher of a written or oral loan contract.

In fact, the format of the IOU is not very important. Just clarify several items in the IOU. So how should I write the IOU? Let's analyze:

1. Confirm the lender.

2. Determine who the borrower is.

3. Target loan amount

4. Term of loan

5. Loan interest

6. Liability for breach of contract

Finally, at the bottom of the IOU, there must be the signature of the borrower, that is, the debtor, and the date must be indicated. Signature should be signed by the borrower's full name, which is consistent with the name of the ID card. The date should be indicated below the signature, and the date must be written completely.

8. On the expiration date of the loan term, creditors should claim their rights in time, because the loan relationship is governed by the general limitation of two years. If the creditor fails to claim his rights within two years from the expiration of the loan term agreed in the IOU, he will lose his right to win the lawsuit and the people's court will not protect him.