What is the format of the IOU?
IOU (I owe you)
This is to certify that I, XXX (ID number: XXXXXX), owe XXX (debtor's name) RMB (in words) (in figures: XXXXXX) due to XXXXX (debt)!
Debtor: _ _ _ _
_ _ _ _ _ _ _ _ _ _ _ _ _
Second, what should I pay attention to when writing IOUs?
1, the arrears should also be legal.
The law does not protect those who know that they owe money for illegal activities such as gambling, drug trafficking, drug abuse, whoring or selling guns.
2. The format should be standardized and clear.
A complete IOU mainly includes four elements: creditor, debtor, debt content and return time, and of course, signature and time. At a glance, the rights and obligations of both parties are very clear.
3. Matters needing attention in the form.
When writing written evidence, there should be no blank lines between the lines, otherwise it is easy for the holder to add other contents (as shown above, blank below the debt and blank above the debtor). Don't write with a faded pen, otherwise it will bring you great trouble if it is altered or blurred (it is best to issue a debit note with your own signature pen to prevent tampering and unnecessary disputes).
4. The subject matter should be clearly written.
The amount and quantity of arrears, repayment, loan and return should be clearly written, and it is best to use capital figures to prevent alteration and forgery. It's money and things. We should distinguish them, and don't be vague and confused.
5. The content should be clear.
Sentences should not be sloppy and the order should not be reversed, so there is a world of difference between "borrowing Zhang San" and "borrowing Zhang San"; Don't change the "debit note" and "receipt" to each other, and the related smearing will pave the way for disputes; Special attention: Don't change "IOU" into "IOU". Some companies owe wages to migrant workers and give them "IOUs" for loans, not "IOUs" for companies that owe wages. In this way, labor disputes will instantly turn into private lending disputes, and it is difficult for migrant workers to report and appeal to the labor arbitration department for long-term arrears of wages, so they can only sue in court.
Some written documents write "buy" as "sell", "receive" as "pay", and so on. Although it is only a word difference, it is very easy to reverse right and wrong. As can be seen from the above, "Huan" is a polyphonic word. Look at Huan Huan Huan and Hai Zi. There is a big difference between them. If there is no other evidence to support it, it may be directly killed.
6. The identity of the subject should be confirmed.
Whether the natural person is an adult (to judge whether he has full capacity for civil conduct) and whether the natural person's name is consistent with the ID card (special attention: homonyms will also leave trouble). In addition, the basic identity information of the subject should also be left, such as the ID number and address of the natural person.
7. Be sure to claim back the debt when you repay.
When repaying the loan, if the other party says that the debt can't be found for the time being, write a receipt and keep it, so as not to leave hidden dangers in the future.
8. The IOU must be filled out by the debtor himself.
Some debtors used to find someone to write IOUs for them in order to avoid debts. When creditors demanded money back, they refused to pay back on the grounds that it was not their own handwriting. Therefore, the debt must be filled in by the debtor himself, and the debtor's signature column needs the borrower's signature, seal and fingerprint.
9. The interest rate should be stated as annual interest rate or monthly interest rate, and should also be capitalized, for the same reason as above. At the same time, it should be noted that the "new lending regulations" also explain interest. If the borrower and the lender have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%.