Nowadays, no matter between friends, colleagues, family members and relatives, there will inevitably be money exchanges. As the saying goes, brothers should settle accounts clearly. Don't be afraid to hurt your feelings. After all, economic disputes will be more troublesome in the future. Knowing some tips about IOUs and contracts in advance can prevent legal risks.

Today, I would like to introduce some short IOUs between relatives and friends.

receipt for a loan

In order to buy a car, I borrowed Lili (whose ID number was borrowed in cash? RMB 50,000 Yuan only, the loan term is 6 months, the monthly interest rate is 6‰ (6 ‰), and the principal and interest will be repaid once every 20 13 years. If it is not paid off at maturity, it is willing to pay overdue interest at the monthly interest rate of 10‰ (one ten thousandth). On this basis.

Borrower: Wang Qiang.

(ID number: 201June 8, 3)

Description of IOU template:

1. The title "IOU" should be written in the middle of the upper text, and there should be no blank line between it and the lower text, in case other contents are added;

2, the text is written in the top case, as close as possible to the edge of the paper, leaving no extra blank;

3. The reasons for borrowing should be made clear, so as to avoid disputes between borrowers on the grounds of "breakup fee" and "compensation fee" in the future;

4. The name of the lender must be written in full, which is consistent with the name on the ID card;

5, must be accompanied by an ID number, the name may be repeated, and the ID card is unique;

6. Specify the loan method, such as cash or bank transfer. If it is a transfer, keep the transfer voucher;

7. Interest rate should be clearly expressed as annual interest rate or monthly interest rate. To avoid disputes, it is suggested to adopt "annual/monthly percentage".

8. If the repayment date is agreed, and it is not calculated at the new interest rate after the deadline, it shall be indicated in the IOU;

9. At the end of the text, you can write this as a basis to prevent the lender from adding content at the end;

10. The borrower's signature and text cannot be empty;

1 1. The borrower must put his handprint on his handwritten name;

Warm reminder:

1. In order to prevent borrowers from writing with faded pens, it is recommended to write with signature pens provided by lenders;

2. It is more appropriate to write a loan, and you can compare the handwriting in the future;

3. The IOU is written by the borrower, not the lender, because the IOU is placed with the lender. If the borrower says that you have changed in the future, it is not clear;

4. If the IOU is wrongly written, you'd better rewrite it. Altered, the borrower in the altered place according to the fingerprint;

5. After writing the loan, it is best to take a photo with your mobile phone and save it;