1. The legal full names of the borrower and the lender shall be clearly written;

2. The loan amount should be clearly written, including the amount expressed in words and figures;

3. The loan term should be clearly written;

4. The repayment details should be clearly written;

5. The interest of the loan should be clearly written, and there should be a clear annual or monthly interest rate and the final loan interest payable. ;

6. The repayment time and payment method of loan principal and interest should be clearly written;

7. The borrower shall have his own signature, handprint or handwritten signature;

8. The parties enter into a contract in the form of letters or data messages. And require the signing of a confirmation letter, and the contract is established when the confirmation letter is signed;

9. If the information of a commodity or service released by one party through information networks such as the Internet meets the conditions of the offer, the contract is established when the other party successfully selects the commodity or service and submits the order, unless otherwise agreed by the parties.

Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC). If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.

A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.