Write the title first: write "loan contract" or "IOU" in the middle of the paper.

2. Fill in the identity information of the borrower and lender: including the names and ID numbers of your borrower and lender.

Third, write the loan information: mainly write the purpose and amount of the loan amount.

Fourth, write down the loan term: be sure to specify the date and maturity of the loan.

Verb (abbreviation of verb) loan interest: This place must be clearly written, and both loan interest and overdue interest should be written.

6. Signature: Finally, both parties should sign, leave fingerprints, stamp, etc.

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

I. Use

Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different.

Second, the characteristics

1. High interest rate;

2. The scale is cyclical;

3. The borrower lacks interest rate flexibility.

Third, the type

Personal housing loan:

1. Personal housing commercial loan.

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans.

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans.

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.