The specific way to write an IOU for borrowing money is as follows:

1. Title. The title generally consists of the name of the genre, that is, the word "IOU" is written in a larger font in the middle above the text. Some also write the words "arrears" or "owe now" as the title in this position, but the text of this title is written in the top box of the next line;

2. Text. The text of the IOU should clearly state how much money or items were lent to the person or unit, and the quantity, and the date of repayment should be noted;

3. Sign the payment. The payment must be signed with the name of the debtor's unit and the signature of the person handling it, and the date on which the IOU was signed must be clearly written. The unit's official seal must be stamped, and the individual's private seal must be stamped.

Attachment: A sample IOU, such as:

Today, I borrowed _________RMB_______________ (in capital letters: ______________) from the place,

The loan period is from From _________year____month____ to _________year____month____, ***______ months, the interest rate is _______, and the interest *** is calculated in RMB________ (in capital letters: _____________), all principal and interest shall be repaid in one lump sum on ____month__________year. Late repayment will incur a 50% penalty interest. ________ and voluntarily pay ________ all expenses paid to recover the debt, including but not limited to attorney fees, litigation fees, execution fees, announcement fees, notary fees, appraisal fees, appraisal fees, etc.

Debtor (signature and seal): ______________

ID card: _______________

Contact information: _____________________

Witness: ____________________________

ID card: ____________________

Contact information: ____________________

_______year____month____day

Legal basis: "China Article 676 of the People's Republic of China and the Civil Code

If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 677

If the borrower returns the loan in advance, interest shall be calculated based on the actual loan period, unless otherwise agreed by the parties.

Article 678

The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made.

Article 679

A loan contract between natural persons is established when the lender provides the loan.