1. The legal full names of the borrower and the lender shall be clearly written, with the borrower's autograph, handprint or handwritten signature, and the copy of the borrower's autographed ID card and marriage certificate shall be collected.
2. The loan amount should be clearly written, including the amount in words and figures. Write clearly the term of the loan, including the start and end date of the loan and the clear term of the loan, and write clearly the specific repayment date. Write down the date, month, day, time and payment method of repayment of loan principal and interest.
3 loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the final total loan interest (including the amount expressed in words and figures) should be agreed. The interest rate is at most four times that of similar bank loans. The interest rate of usury is not protected by the state.
4. Payment shall be made by bank transfer as far as possible, and the account number and transfer date of the other party may be indicated on the debit note. When handling the transfer, you can indicate the purpose of the loan. Ask the borrower to write a receipt separately for the money received.