1. How to write legal personal IOUs as follows:

(1) Legal full names of the borrower and the lender;

(2) the loan amount, including the amount in words and figures;

(3) Term, including the start and end dates of the loan and a clear term of the loan;

Please click to enter the picture description (maximum 18 words).

(4) The specific repayment date;

(5) The loan interest should have a clear annual interest rate or monthly interest rate, and the total loan interest payable at the end of the period;

(six) the date, month, day, time, payment time and payment method of repayment of loan principal and interest;

(7) Personal signature, handprint or handwritten signature of the borrower.

2. Legal basis: Article 146 of the Civil Code of People's Republic of China (PRC).

A civil juristic act in which the actor and the counterpart have false meanings is invalid. The validity of a concealed civil juristic act with false intention shall be handled in accordance with relevant laws and regulations.

2. Can I sue for recovery at any time if I don't write IOUs or borrow money?

If you don't write the IOU or repay the loan, you can sue for recovery at any time according to the situation:

1. If both parties have agreed on the repayment period, if the other party fails to repay the loan at the due date, they can sue for recovery. The limitation of action shall be counted from the day after the agreed period. If no lawsuit is filed within two years, the lender will lose the right to win the case.

2. If the two parties have not agreed on the repayment date, the creditor may bring a lawsuit at any time. If you borrow money without IOUs, you need to collect evidence in time to prove that there is a loan relationship between the two parties to prevent the other party from not acknowledging the debt. If there is no direct evidence of debt, you can use other evidence, such as bank transfer records, telephone recording, witness testimony, etc. As long as you can prove the fact and amount of debt.