A personal IOU must meet the three requirements of a civil legal relationship: subject, object, and content to be effective.

When issuing an IOU, you should pay attention to the following matters:

1. Subject

The subject of the creditor's rights and debt relationship must be clearly expressed, that is, who is the creditor and who is the debtor. (Pay attention to the ambiguous meaning of the word "borrow") It should be clear; when a natural person is the subject, the name on the ID card should be checked, and when conditions permit, the resident ID number should be copied on the IOU; when a legal entity is the subject, the official seal of the unit should be stamped .

2. Object

The unit of amount should be clear. The amount should be written in traditional Chinese characters, and the ratio should be clear as percentage, thousandth and ten thousandth.

3. Content

Express clearly and avoid ambiguity. The return date should be clearly stated. If there is an agreement on interest, this should be stated. Otherwise, it will be regarded as no interest according to law. If there is an agreement on liquidated damages, this should be stated clearly. If there is a guarantor, the method of guarantee should be indicated and the guarantor should be written down.

4. In duplicate. It is best to have two copies of the agreement, with each party holding one copy.