Legal analysis: To make a valid official IOU, the legal full names of the borrower and the lender should be clearly written down, with the borrower's personal signature, handprint or handwritten signature, and a copy of the borrower's autographed ID card and marriage certificate should be collected. Secondly, the loan amount should be clearly written, including the amount in words and figures. Furthermore, the interest of the loan should be clearly written, and there should be a clear annual interest rate or monthly interest rate. Finally, try to choose bank transfer for payment and delivery. Details are as follows: 1. Name, ID number and address of the borrower. The borrower is an individual and must sign it himself. The legal effect of the iou signed by others will be controversial. For example, a loan signed by Zhang San and Li Si will bring legal trouble to the borrower. 2. Borrower's name: the full name is required, which is consistent with the ID card. It is best not to write code names such as Jason and Li Ge, so as not to encounter obstacles when claiming creditor's rights. Write down the loan amount clearly: for example, how much is RMB? Write case separately, and the amount in words should be consistent, so as to avoid disputes caused by unclear handwriting and unclear amount. 4. Repayment period: The agreement on repayment period has advantages and disadvantages. Write down the repayment period clearly: advantages: it is logical for creditors to urge debtors to repay after maturity. Disadvantages: Creditors must pay attention to the limitation of action. 5. Interest: for private loans, if there is an agreed interest rate, it shall be implemented as agreed by both parties; If there is no agreed interest rate, it is regarded as an interest-free loan. Before the creditor claims to repay the loan and pay interest, the people's court generally does not support the recovery of interest during this normal loan period. 6. Repayment method: whether to repay the principal and interest in one lump sum or in installments, and what period and how much, you need to write clearly. 7. Signature: the borrower signs, and the guarantor signs according to the index finger, and writes the complete date (year, month and day). Remarks: The IOU should clearly indicate how much money is "borrowed", but it is not appropriate to write how much money is "borrowed". Borrowing means that the borrower has received the loan.
Legal basis: Article 668 of the Civil Code stipulates that the form and content of a loan contract shall be in written form, unless there are other agreements on the loan 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.