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. Next, I will bring the loan template. Welcome everyone to read and study.
IOU Template Template Article 1:
receipt for a loan
Mr/Ms borrowed cash (in words) from Mr/Ms on, and it is scheduled to be returned in one lump sum on. If it is overdue, it will be compensated by% of the loan. And Mr./Ms. will permanently enjoy the right of recourse and the right of recourse from court proceedings.
According to this!
Date: Year Month Day
Witness: (ID number:)
Date: Year Month Day
IOU Template Template Part II:
I borrowed RMB Yuan only (annual interest _ _%) and paid off the principal and interest a few days ago.
It is based on this evidence.
Borrower: (signature)
ID number:
date month year
IOU Template Template Part III:
Reason: Due to personal financial difficulties, I borrowed _ _ _ _ _ _ _1000 yuan (one thousand yuan) today.
Loan date: xxxx year x month x day
Repayment date: xxxx year x month x day
Borrower: _ _ _ _ _ _ (signature)
IOU Template Article 4 Template:
As a part of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. During the period, the monthly interest is RMB Yuan only, which should be paid at the beginning of each month without any mistakes.
I'm afraid the above words are groundless, and I hereby give you an iou as proof.
Voucher lender: _ _ _ ID number: _ _ _ _ _ L Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _
Debtor of the bill: _ _ _ _ _ _ ID number: _ _ _ _ _ Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _
Witness: _ _ _ _ _ _ ID number: _ _ _ _ _ Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Guarantor: _ _ _ ID number: _ _ _ _ _ Address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _
Xxxx，xxxx，xx，xx
IOU Template Chapter 5 Template:
The current borrower is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Borrower: _ _ _ _ _ _ (signature and handprint)
Lender: _ _ _ _ _ _ (autograph and handprint)
Witness: _ _ _ (signature and handprint)
date month year
IOU Template Article 6 Template:
Party A: ID number:
Party B: ID number:
Due to the recent shortage of _ _ _ _ _ _, I have borrowed from _ _ _ _ _, * * RMB _ _ (in words).
The loan term is: MM DD YY to MM DD YY.
Liability for breach of contract: If the loan cannot be repaid on time, the penalty is RMB _ _ _ _ _ (in words).
A copy of the borrower's ID card (signature and handprint) is affixed to the IOU.
I'm afraid the above words are groundless, and I hereby give you an iou as proof.
Voucher lender: _ _ _ ID number: _ _ _ _ _ _
Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Certificate borrower: _ _ _ _ _ ID number: _ _ _ _ _ _
Contact address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Date of issue of IOU: MM DD YY.
IOUs:
There is no strict standard format for IOUs. It couldn't be simpler. As long as the loan amount is stated, the loan relationship between the two parties can be proved. After being signed and confirmed by the borrower, it is accurate and does not need to be sealed.
An IOU is a note that people write to each other to handle financial, material or commercial transactions as evidence or explanation.
The general format is:
1. Title. Write "IOU".
2. Text: State the reasons or facts (the amount involved must be expressed in words).
3. Signature and date.
Precautions:
1. If the interest rate is more than four times the bank loan interest rate, you will not get legal support, and you will not be protected by law.
Give me interest every year, and the money will continue to exist in him. Will it be included in the future principal and generate interest? If so, it constitutes "compound interest", and then linked to high interest rates, it constitutes usury.
3. If you think of it yourself, adjust it quickly. If you put it right, you will be suspected of cheating you-then you will be accused of usury and the loss will be great.
First, the title must write the word "IOU". Don't be mistaken for "IOU" by others. Special attention: although the money is in the hands of others, the legal result is completely different;
Two, be sure to write "today by XXX yuan in cash, and indicate the words XXX yuan. Special attention: verify whether the figures are consistent. If the figures are inconsistent, amount in words shall prevail in judicial practice;
Third, be sure to write the correct lender's name and ID number, and at the same time, be sure to indicate the borrower's name and ID number to avoid problems such as verifying whether the borrower's identity is repeated in case of disputes;
4. If you are not sure when to ask the borrower to return, it is recommended that the lender not write the date of return, so as to ensure the 20-year limitation and not be unable to recover the limitation because of forgetting it for a while. Anyone who knows the law knows that there is not much difference between the date when the book is returned and the date when it is not returned.
If you need interest, you must make it clear. According to the law, if there is no clear agreement on interest, it will not be supported if interest is required to be paid when returning.
6. It is best to copy the front and back of the borrower's ID card on A4 paper at the lower right of the paper, and then write the debit note at the top. In addition, note: it is best to ask him to press his right thumb fingerprint after signing (the right thumb is strictly enforced in judicial practice such as courts and lawyers in China).
Seven, because he is borrowing money from you, the initiative is in your hands, so it is not a problem to improve the procedures before borrowing money.
receipt for a loan
Today, Party A lends Party B RMB ten thousand Yuan only, namely 10000.00 Yuan, with a term of six months, from February 9, 2006 to August 8, 2006. The interest rate is 0.8% per month, and the interest * * * is RMB 4,800.00 Yuan only. In August 2006, all the principal and interest were repaid.
Borrower: B (signature, handprint, signature)
XXXX year x month x day
1. Examples of how to write IOUs
2.IOU format
3.3 IOUs templates
4. Formal folk IOU format model
5. Format and model essay of the Company's IOU
6. How to write an IOU to have legal effect?
What is the mode of IOU format?
The form of IOUs is to specify the legal full names of both borrowers and borrowers, and it is best to attach ID numbers. The mode is as follows: RMB (in words) is borrowed from the lender on _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
The borrower's _ _ _ _ _ _ _ ID number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (signature)
The lender's _ _ _ _ _ _ _ ID number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (signature)
Guarantor _ _ _ _ _ _ ID number _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (signature)
Date:
Borrower:
Description of IOUs:
When filling in the above loan model, you should pay attention to the following matters.
1. The legal full names of borrowers and lenders should be clearly written, and it is best to attach ID numbers.
2. The loan amount should be clearly written, including the amount in words and figures.
3. The term of the loan should be clearly written, including the start and end dates of the loan and the clear term of the loan.
4. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the total amount of loan interest that should be paid at last (including the amount expressed in words and figures) and the payment method.
Refer to the above content: Baidu Encyclopedia-IOU Template
How to write a template for IOUs?
The template of IOU format is as follows:
receipt for a loan
The loan amount is RMB XX Yuan (in words: RMB XX Yuan only), namely ￥XX Yuan. The loan term starts from xx, XX to XX, XX, with a monthly interest rate of xx% and interest of * * * Yuan (in words: XX Yuan only), and all principal and interest will be repaid in one lump sum on XX. If the loan cannot be repaid in full and on time, interest will be paid at the rate of xx% per month.
Guarantor confirms: I agree to undertake joint liability guarantee to the lender for the above debts of the debtor. The guarantee period is from the date when the IOU is issued to two years after the loan repayment period expires, and the scope of guarantee covers all the loan principal and interest, as well as the expenses incurred by the lender to realize the creditor's rights (legal fees, attorney fees, travel expenses, appraisal fees and other actual expenses).
Lender (creditor):
Borrower (debtor): ID number:
Guarantor: ID number:
Date of issue of IOUs: YY.
Notes on IOUs
1. The names and ID numbers of borrowers and lenders should be consistent with their ID cards. It is best to attach the ID number to the loan, because there are too many people with the same name and surname, and only the ID number is the only direction.
2. It should be written as "borrowing XX yuan" instead of "borrowing XX yuan", because the former means that the borrower has received the loan, and the latter is relatively confusing.
3. Write down the interest and overdue liquidated damages clearly, otherwise the borrower will not repay the loan and the lender will not be entitled to compensation for liquidated damages.
4. Write clearly that the lawyer's fee shall be borne by the borrower, otherwise even if the lawsuit wins, the court will not judge the other party to bear the lawyer's fee, preservation guarantee fee and other expenses.
5. The borrower should sign and press the fingerprint, which requires higher handwriting identification. Generally, it is required to provide legally valid handwriting in the same period for comparison. Because everyone's handwriting may be different in different periods, it is necessary to sign and press the fingerprint.
6, try to sign with your own pen, because there is an "erasing pen" on the market, and the words written one day will become white paper the next day.
The correct format of IOUs
The correct way to write IOUs:
First, the title must write the word "IOU". Don't be mistaken for "IOU" by others. Special note: although the money is in the hands of others, the legal result is completely different.
Two, be sure to write "today by XXX yuan in cash, and indicate the words XXX yuan. Special attention: verify whether the figures are consistent. If the figures are inconsistent, amount in words shall prevail in judicial practice.
Third, be sure to write the correct lender's name and ID number, and at the same time, be sure to indicate the borrower's name and ID number to avoid problems such as verifying whether the borrower's identity is duplicate in case of disputes.
4. If you are not sure when to ask the borrower to return, it is recommended that the lender not write the date of return, so as to ensure the 20-year limitation and not be unable to recover the limitation because of forgetting it for a while. Anyone who knows the law knows that there is not much difference between the date when the book is returned and the date when it is not returned.