For an IOU to be legally effective, it should contain the following contents:

1. The full names and ID numbers of the borrower and lender should be written clearly;

2. The amount of the loan;

3. The time period of the loan;

4. The specific time for repayment;

5. The interest on the loan;

6. Payment method;

7. The borrower should be personally signed and fingerprinted;

8. Indicate the liability for breach of contract, if the borrower fails to repay overdue The borrower must pay liquidated damages;

9. If it needs to be settled in court, the borrower shall bear all additional costs including attorney fees, etc.;

10. For the future Facilitating prosecution can clarify the jurisdiction of the court.

It should be reminded that the amount of the loan should be written clearly in both uppercase and lowercase letters, and the IOU should not be written as an IOU and a receipt, because the legal meanings are different, and general IOUs cannot be altered at will to avoid future mistakes. A misunderstanding occurs.

When writing an "IOU", you should pay attention to several issues:

Be clear about the real names of the borrower and the lender (whichever is registered in the ID card and household register), Find out the borrower's job, address, and even income, property and other personal circumstances. The borrower shall sign his or her real name in the lower right corner of the "IOU".

Signing is equivalent to confirming the content stated on the "IOU". Without a signature, it means there is no confirmation. If the borrower does not approve it later, there is no signature or a fake name will probably not be supported by the court; the IOU may not be supported by the court; "It is best to agree on the interest, repayment period, repayment method and other matters; the "IOU" must clearly describe the facts of the loan.