The printed IOU signature is valid. As long as the printed IOUs are true, the signed printed IOUs are also valid. In principle, the original loan should be submitted, but if it is inconvenient to present the original, a copy can be presented. Copies can be used as evidence in some cases, first of all when quoting other materials. Secondly, the other party acknowledges the content of the copy.
Article 667 of the Civil Code of People's Republic of China (PRC)
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.
Second, what should I pay attention to when writing IOUs?
(1) When writing IOUs, it is necessary to standardize the use of indelible and unchangeable ink such as copying, indicate the currency before the loan amount, use uppercase Chinese characters, and fill in lowercase Arabic numerals in brackets. The standard format is usually "why, how much money was borrowed from whom, what is the loan interest rate, when to pay it back, debtor's signature, witness's signature, year and date."
(2) Pay special attention not to use polysyllabic and polysemous words. Many Chinese characters in China have polysyllabic words. Once these Chinese characters are used on IOUs, they may cause disputes. For example, "paying back 10,000 yuan" can be understood as "paying back 10,000 yuan" or "owing 10,000 yuan".
(3) The IOU must be filled out by the debtor himself. Some debtors used to find someone to write the IOUs for them in order to avoid their debts. When creditors demanded money back, they refused to pay back on the grounds that it was not their own handwriting. Therefore, the debt must be filled in by the debtor himself. If the IOU is printed, it is best to ask the borrower to sign, seal and print the debtor's signature column.
(four) properly keep the white bars, and pay attention to prevent the white bars from being stolen, lost or polluted. The storage place should be safe, not easy to be affected with damp and not in contact with chemicals. At the same time, several copies should be made. In the future, you can send copies to the borrower to ensure the safety of the original.
(v) Timely dunning. After the loan expires, the creditor shall require the debtor to repay the loan in time. If the debtor can't return it for a while, the debtor is required to sign a repayment agreement. If the debtor still fails to perform or escapes on schedule, the creditor shall bring a lawsuit to the court within two years after the loan expires and collect it according to law.
Third, how to standardize the writing of IOUs
(A), the main points of writing IOUs
A standard IOU needs to include the following points: name (IOU is not IOU), parties (lender, borrower), loan amount, time (when to borrow and return), interest (24%, 36%), signature, language, guarantee and payment voucher.
(2) Main points and specific contents
The first is the name. It should be written as "IOU" instead of "IOU" or "receipt".
The second is the parties. The legal full names of both borrowers and borrowers should be clearly written, and the ID numbers should be indicated. Never write nicknames or nicknames.
The third is the amount. The loan amount should be clearly written, including the amount in words and figures, and ensure that both parties are consistent. In case of any inconsistency, the legal provisions in written form shall prevail.
The fourth is time. Generally, the term related to borrowing should be clearly written, including the borrowing time and repayment period.
The fifth is interest. If both parties have an agreement on loan interest, it shall be clearly stated in the receipt, and the agreed interest rate shall not violate the law.
The above is the legal knowledge about whether the signature of printed IOUs is valid. To sum up, the printed IOU signature is also valid, as long as the IOU content is true and there is no illegal clause. If you have any other questions, please feel free to consult, and we will have professional lawyers to answer them for you.