An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou. After the money and goods were returned, the IOUs were revoked or torn up. This is a document. Usually used in daily life and business management.
From a legal point of view, an IOU is a written document showing the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated on the IOU.
The basic contents of IOUs include: creditor's name, loan amount (local and foreign currency), interest calculation, repayment time, liquidated damages (deferred repayment), dispute resolution method, debtor's name, loan date and other elements. As long as you have the creditor's name, loan amount, debtor's name and loan date (although it was added later), it meets the main requirements of the loan, so it has legal effect. Once a dispute arises, it can be used as evidence to claim creditor's rights to the people's court, and the people's court will accept it.
In daily life, it is inevitable that someone will borrow money from others or others will borrow money from you. At this time, it is best to write an IOU. How should I write an IOU? In order to avoid disputes as much as possible, the IOUs should be written as follows: first, find a piece of paper with good quality and thickness (easy to save) and should be complete. In this case, someone sued with an iou written on half a piece of paper, and the other party claimed how much money he had paid back. The plaintiff indicated in the lower part of the paper, resulting in a dispute. The borrower, currency, loan amount (just in case) and purpose (not used for illegal activities, such as knowing that the other party is borrowing money for illegal activities, such creditor's rights are not protected by law. ), interest rate (unlike interest, x% interest rate is the annual interest rate and x‰ interest rate is the monthly interest rate. The agreed interest rate is protected by law within 4 times of the bank's loan interest rate for the same period, and some of them are not protected by law. ), repayment time (the starting time that affects the limitation of action), borrower (the borrower and the borrower's name should be the same as the name on my resident ID card), and borrowing time (lunar or solar calendar). If there is a witness or guarantor, let him sign, but it is necessary to specify whether it is a witness or a guarantor to avoid disputes.
It's best to make a copy of the iou after writing it, and keep the original and the copy separately, so it's best to have a copy even if the original is missing.
Be careful in the process of paying back the money. It's better to have someone else present when you pay back the money. Lenders should ensure that they can get the loan back when they give it to borrowers. Some borrowers tore up the loan or even ate it after defrauding the loan, but did not pay back the money, which led to litigation. However, the borrower paid back the money and wanted to get back the original loan, but he couldn't get back the copy, so the loan had to be burned. There was once a case where the borrower paid back the money, but did not get back the original loan, which led to the lender.
Sue with the original loan. Someone sued for tearing up the pasted IOUs. While saying that the IOU had been returned, he tore it up on the spot. The other party claimed that the loan had been cheated but not paid back, which made it difficult for the judge to tell the truth.
When the loan amount is large, it is best to sign a loan agreement to clearly stipulate the rights and obligations of both parties.
Also pay attention to the difference between IOUs and IOUs. In a broad sense, IOUs include IOUs, which are simple loans. IOUs can be caused by buying and selling, compensation, unjust enrichment and other reasons, and the calculation of the limitation of action is also different.
model essay
receipt for a loan
receipt for a loan
Reason: Due to personal financial difficulties, I borrowed RMB ××× 1000 today.
Borrower: ××× (signature)
Loan date: April 2009 1 repayment date: August 2009 1.
receipt for a loan
How much did Party A borrow from Party B on a certain day, a certain month, a certain year, with a loan term of xx, and agreed to return it on a certain day, with interest ... If Party A fails to return it on time, how much penalty will it pay?
Signature of Party A
date
receipt for a loan
Party A xxx (ID number: * * *) lends Party B xxx (ID number: * * * * *) RMB * * * *. (in words)
The loan term is * * * years, from * * * years to * * * * years.
The loan interest is: * * ..
Borrower signature
date
Attach Baidu Encyclopedia "IOU" website:: baike.baidu./link? URL = lyindnz 1ss 15 NR 7 ci H9 vz x2 B3 zbia 8 NP 7 dopitttxzcrtp 4 gyfpurecrnr 1 ekjvc
Who wrote the IOU? Is the IOU for the borrower? The IOU was written by the borrower. . . .
Hope to adopt! Your adoption is the greatest support for me! O(∩_∩)O Thank you
Can I not write IOUs? But if there are flaws, it is easy to cause disputes. If it is not written and there is no other evidence to refute it, it is generally presumed that whoever has the original iou is the creditor. So, if this IOU is lost, it will be in trouble.
In addition, if a lawsuit is filed, the plaintiff must make a reasonable and necessary explanation for the loan, otherwise the court may lose the case without recognizing the loan relationship between the two parties. Therefore, the plaintiff should try to collect recorded evidence before suing.
Can the loan be written by the lender? An IOU is a written document indicating the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou. After the money and goods were returned, the IOUs were revoked or torn up. This is a document. Usually used in daily life and business management. From a legal point of view, an IOU is a written document showing the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated on the IOU. The basic contents of IOUs include: creditor's name, loan amount (local and foreign currency), interest calculation, repayment time, liquidated damages (deferred repayment), dispute resolution method, debtor's name, loan date and other elements. As long as you have the creditor's name, loan amount, debtor's name and loan date (although it was added later), it meets the main requirements of the loan, so it has legal effect. Once a dispute arises, it can be used as evidence to claim creditor's rights to the people's court, and the people's court will accept it. In daily life, it is inevitable that someone will borrow money from others or others will borrow money from you. At this time, it is best to write an IOU. How should I write an IOU? In order to avoid disputes as much as possible, the IOU should be written as follows: First, you should find a piece of paper with good quality and thickness (easy to keep) and it should be a complete piece of paper to write. In this case, someone sued with an iou written on half a piece of paper, and the other party claimed to have returned the money to China, and the plaintiff indicated in the lower part of the paper, resulting in a dispute. The IOU should be clearly written: borrower, currency and loan amount (the amount should be in words). ), use (can not be used for illegal acts, such as knowing that the other party borrows money for illegal acts but still lends it, this creditor's right is not protected by law. ), interest rate (unlike interest, x% interest rate is the annual interest rate and x‰ interest rate is the monthly interest rate. The agreed interest rate is protected by law within 4 times of the bank's loan interest rate for the same period, and some of them are not protected by law. ), repayment time (the starting time that affects the limitation of action), borrower (the borrower and the borrower's name should be the same as the name on my resident ID card), and borrowing time (lunar or solar calendar). If there is a witness or guarantor, let him sign, but it is necessary to specify whether it is a witness or a guarantor to avoid disputes. It's best to make a copy of the iou after writing it, and keep the original and the copy separately, so it's best to have a copy even if the original is missing. Be careful in the process of paying back the money. It's better to have someone else present when you pay back the money. Lenders should ensure that they can get the loan back when they give it to borrowers. Some borrowers tore up the loan or even ate it after defrauding the loan, but did not pay back the money, which led to litigation. However, the borrower paid back the money and wanted to get back the original loan, but he couldn't get back the copy, so the loan had to be burned. In this case, the borrower paid back the money but did not get back the original IOU, and the lender sued with the original IOU. Someone sued for tearing up the pasted IOUs. While saying that the IOU had been returned, he tore it up on the spot. The other party claimed that the loan had been cheated but not paid back, which made it difficult for the judge to tell the truth. When the loan amount is large, it is best to sign a loan agreement to clearly stipulate the rights and obligations of both parties. Also pay attention to the difference between IOUs and IOUs. In a broad sense, IOUs include IOUs, which are simple loans. IOUs can be caused by buying and selling, compensation, unjust enrichment and other reasons, and the calculation of the limitation of action is also different. Fan Wen's reason for borrowing the loan: Due to personal financial constraints, he borrowed RMB ××× 1000 (one thousand yuan) today. Borrower: ××× (signature) Loan date: April 2009 1 Repayment date: August 2009 1 Loan date. Party A and Party B borrow money from China, and borrow money on a certain day in a certain year. Party A signed the date and lent xxx (ID number: * * * *) RMB * * * * to Party B today. (in words) The loan term is * * * years, from * * * to * * * *. The loan interest is: * * ... The borrower's signature date is accompanied by Baidu Encyclopedia's "IOU". Address of China: China baike.baidu China /link? URL = lyindnz 1ss 15 NR 7 ci H9 vz x2 B3 zbia 8 NP 7 dopitttxzcrtp 4 gyfpurecrnr 1 ekjv
The Lender issues an IOU, which proves that the IOU lacks the following contents:
1. Creditor's name (it is inconvenient to confirm the right subject); 2. The purpose of the loan (illegal debts are not protected by law); 3. Loan repayment time (not conducive to confirming the limitation of action and the calculation time of interest-free loan); 4. Are you interested? 4. Default clause; 5. Whether there is mortgage guarantee; 6. Borrow time.
The modified IOUs are as follows:
receipt for a loan
Today, I borrowed RMB 12000 yuan from XXX for XXXX. The loan term is x months, from XX years to XX years. The monthly interest rate is XX%. If the principal and interest cannot be paid off at maturity, the borrower will voluntarily take all its XXXX properties as collateral and bear 20% of the liquidated damages.
Borrower: xxXXXX year x month x day
According to the provisions of relevant laws and regulations, the loan that is not indicated by the lender is also legal and valid; In the future, if the other party refuses to recognize you as a lender, you may need to prove that you are a lender.
The borrower is not written on the IOU. You mean you didn't write the borrower's name or didn't write the borrower's name? If it is not written, the name of the lender is clearly stipulated in the judicial interpretation, and it can be presumed that the borrower is the lender.
Lenders modify IOUs. Who claims that the content of your consultation is not clearly described?
IOUs bear the rights and obligations of both borrowers and borrowers and cannot be changed unilaterally.
Do you want to give the borrower an advance payment? From 20 16 12 1, bank counters (individual customers only) and non-counter channels except ATM will provide customers with three transfer methods: real-time arrival, ordinary arrival and next-day arrival.
"Real-time arrival": after accepting the depositor's application for transfer, deduct the money and remit it immediately;
"Ordinary arrival": ordinary arrival refers to non-real-time arrival, which is delayed for 2 hours after accepting the depositor's transfer application and remitting it;
"Arrive on the next day": after accepting the depositor's application for transfer, the deduction will be delayed until the second natural day and remitted. Please note that the arrival of the next day is not 24 hours later;
The above remittance time refers to the time when the bank deducts money and initiates remittance. If it is an inter-bank transaction, the arrival time also depends on the inter-bank clearing system of the People's Bank of China and the posting time of the receiving bank.
When the bank handles this transaction, if the relevant clearing system has been closed, the transaction will be deducted at the agreed time and remitted when the clearing system is in normal service.
The loan has been transferred to the lender through the bank, and now the lender is suing me for repayment. What should I do? Get the bank transfer voucher, prove to the judge at the trial that he has fulfilled the obligation to repay the loan, and ask the judge to reject the plaintiff's request.