You must sign an iou proposal. Under normal circumstances, after we have a loan legal relationship, the IOU is the core certificate for us to establish a loan relationship, so I have to sign and seal it.

Because if there is no signature and seal at that time, and the other party goes back on his word, there is no way to confirm that this IOU was written by himself.

In addition, Mr. Gao suggested that when borrowing money, you must transfer it through the bank WeChat or Alipay, and indicate the nature of the money to avoid disputes in the future. Our evidence is very important.

Do I have to write the loan by hand?

The iou shall be signed by the borrower himself, with his handprint or handwritten signature.

You don't have to write the loan by hand, you can print it.

An IOU is a written document indicating the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou.

Extended data:

1. The legal full names of borrowers and lenders should be clearly written, and it is best to attach ID numbers.

2. The loan amount should be clearly written, including the amount in words and figures.

3. The term of the loan should be clearly written, including the start and end dates of the loan and the clear term of the loan.

4. The loan interest should be clearly written, and there should be a clear annual or monthly interest rate, the total amount of loan interest to be paid (including the amount expressed in words and figures) and the payment method.

5. The repayment date, month, day, time and payment method of the loan principal and interest should be clearly written.

6. There should be the borrower's personal signature, handprint or handwritten signature.

7. If the amount is large, the loan purpose or payment record shall also be indicated.

Baidu Encyclopedia-IOU Template

Baidu encyclopedia-IOUs

Do I have to print the loan?

Legal analysis: You don't need to print the IOUs, just need the signatures of both parties.

First, the meaning is true and clear, and the borrower can sign or confirm by fingerprint. The law does not require that fingerprints must be taken.

Two, standardize the writing of IOUs should do the following:

1. The borrower should write the full text of the loan and sign it, not print it;

2. The loan content is accurate and unambiguous;

3. It is required to write down the borrowing time, borrowing purpose (the purpose should be legal and cannot be used for illegal purposes such as gambling), interest agreement and repayment period;

4. Lenders should try not to pay in cash, especially for large loans, and should use bank remittance, and the other party's account name is the same as that of the borrower;

5. If the other party's credit or repayment ability is poor, you can ask for a guarantee or guarantor. Remarks: The borrower refers to the debtor, that is, the person who needs to borrow money, and the lender refers to the creditor, that is, the person who provides loans to others. If both parties need to agree on many matters, they can sign a loan contract and make detailed agreements while writing the loan note.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 188 The limitation of action for requesting the people's court to protect civil rights shall be three years. Where there are other provisions in the law, those provisions shall prevail.

The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.

Article 189 Where the parties agree to perform the same debt by installments, the limitation period of action shall be counted from the date when the last installment expires.

Article 192 Upon the expiration of the limitation of action, the debtor may raise a defense of non-performance.

After the expiration of the limitation period of action, if the debtor agrees to perform it, it shall not defend itself on the grounds of the expiration of the limitation period of action; If the debtor voluntarily performs, it may not request the return.

Article 193 A people's court may not apply the limitation of action on its own initiative.