Effective for electronic loans; However, in the electronic version, the borrower's signature needs to be written by himself, and both parties admit that there is a loan relationship, so this loan will protect their legitimate rights and interests according to law, but writing is the most effective for the loan.

1. Is the electronic IOU valid?

Electronic IOUs have legal effect. The Electronic Signature Law clearly affirms that qualified electronic signatures have the same legal effect as handwritten signatures or seals, so the electronic loan contract has the same legal effect as the paper version as long as it meets the relevant conditions.

As long as the IOU includes the main contents such as the lender, the borrower, the loan amount and the loan time, it is legal and valid. Standard IOUs shall include the following contents:

(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, including the start and end date of the loan and a clear loan term;

(4) The specific repayment date shall be clearly written;

(5) The loan interest should be clearly written, and there should be a clear annual interest rate or monthly interest rate, and the final total loan interest to be paid (including the amount expressed in words and figures) and other agreements;

(6) The date, month, date, time and payment method of repayment of loan principal and interest shall be specified;

(seven) should have the borrower's personal signature, handprint or autograph;

(eight) when necessary, it shall be signed by the guarantor to clarify the guarantee period and responsibility.

Second, what is the model loan?

Borrower _ _ _ _ _ _ _ _ (ID number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _)

Lender _ _ _ _ _ _ _ (ID number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _)

Guarantor _ _ _ _ _ _ (ID number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _)

On a certain day in _ _ _ _ _ _ _ _.

Date:

Borrower:

To sum up, IOUs can be handwritten or printed. As long as the conditions are met, the two have the same legal effect. However, it is necessary to ensure that the content expresses the true meaning of both parties, and the signature also needs to be handwritten. The IOU is written by the debtor, and the written IOU will be kept by the creditor.