1. The full names and ID numbers of borrowers and lenders should be clearly written;
2. The loan amount;
3. Term of loan;
4. The specific time of repayment;
5. Loan interest;
6. payment method;
7. The borrower shall personally sign and press the handprint;
8. Indicate the liability for breach of contract. If the borrower fails to repay the loan within the time limit, it shall pay liquidated damages;
9. If the lawsuit needs to be settled by the court, the borrower shall bear all the extra expenses, including attorney's fees;
10, for the convenience of prosecution in the future, the jurisdiction of the court can be clearly defined.
Need to be reminded that the amount of IOUs should be clearly written in uppercase and lowercase, and IOUs should not be written as IOUs and receipts, because the legal meaning is different, and generally IOUs should not be altered at will to avoid misunderstanding in the future.
When writing "IOUs", we should pay attention to several issues:
It is necessary to find out the real names of the borrower and the lender (based on the ID card and household registration book), and find out the personal situation of the borrower, such as work, address, and even income and property. In the lower right corner of the "IOU", the borrower personally signs his real name.
Signing is equivalent to confirming what is written on the "IOU". No signature means no confirmation. If the borrower later refuses to admit, sign or sign a pseudonym, it may not get the support of the court; It is best to agree on matters such as interest, repayment period and repayment method; "IOU" must clearly describe the fact of borrowing.