1. Is a handwritten IOU legally valid?

1. A handwritten IOU is legally valid, but it must meet the following conditions:

(1) Must It is content that can prove the fact that there is a debt;

(2) It must be an expression of the true intention of the party;

(3) The IOU must be obtained legally;

(4) Both parties must have full capacity for civil conduct;

(5) The content of the IOU is legal.

2. Legal basis: Article 667 of the "People's Republic of China and Civil Code"

A loan contract means that the borrower borrows money from the lender and returns the loan when due and a contract to pay interest.

Article 668

A loan contract shall be in writing, unless otherwise agreed upon for a loan between natural persons.

The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

2. How to write an IOU to make it legally effective

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

2. The loan amount must be clearly stated in Arabic numerals and Chinese capital letters;

3. The loan time period should be clearly stated, including the start, month and end dates of the loan and a clear loan period, preferably accurate to the day;

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4. The specific year, month and day of repayment should be written clearly, but it is not necessary;

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

6. The year, month, day, time and method of payment for the repayment of the loan principal and interest should be clearly written;

7. The borrower should have his or her signature, fingerprint or Handwritten signature;

8. If the amount is large, you can ask a third party to witness and sign.