First, the title must write the word "IOU". Don't be mistaken for "IOU" by others. Special note: although the money is in the hands of others, the legal result is completely different.

Two, be sure to write "today by XXX yuan in cash, and indicate the words XXX yuan. Special attention: verify whether the figures are consistent. If the figures are inconsistent, amount in words shall prevail in judicial practice.

Third, be sure to write the correct lender's name and ID number, and at the same time, be sure to indicate the borrower's name and ID number to avoid problems such as verifying whether the borrower's identity is duplicate in case of disputes.

4. If you are not sure when to ask the borrower to return, it is recommended that the lender not write the date of return, so as to ensure the 20-year limitation and not be unable to recover the limitation because of forgetting it for a while. Anyone who knows the law knows that there is not much difference between the date when the book is returned and the date when it is not returned.

The loan amount is RMB XX Yuan (in words: RMB XX Yuan only), namely ￥XX Yuan. The loan term starts from xx, XX to XX, XX, with a monthly interest rate of xx% and interest of * * * Yuan (in words: XX Yuan only), and all principal and interest will be repaid in one lump sum on XX. If the loan cannot be repaid in full and on time, interest will be paid at the rate of xx% per month.

Guarantor confirms: I agree to undertake joint liability guarantee to the lender for the above debts of the debtor. The guarantee period is from the date when the IOU is issued to two years after the loan repayment period expires, and the scope of guarantee covers all the loan principal and interest, as well as the expenses incurred by the lender to realize the creditor's rights (legal fees, attorney fees, travel expenses, appraisal fees and other actual expenses).

Lender (creditor):

Borrower (debtor): ID number:

Guarantor: ID number:

Date of issue of IOUs: YY.