Because my signature is equivalent to acknowledging the contents of the iou, it is valid. But unless you can't write it yourself, don't advise others to write it. It is recommended to write it yourself or print it by machine to reduce the risk of loan modification.

Writing IOUs mainly depends on whether the loan is a fact. If the conditions written on behalf of the borrower are based on the actual situation and signed by the borrower, the iou is valid. IOU is a kind of documentary application written to the relevant unit or individual when an individual or unit owes money or things. White stripes are also called "IOUs" today. IOU is also a common written document in daily life to prove that one party owes money to the other, and it is an application style of credentials. IOUs are legally binding.

Writing an IOU is legally valid, and the following conditions need to be met:

1. Both parties who signed the IOU are persons with full capacity for civil conduct;

2. The contents of the IOU must be legal and valid, generally including: the reasons for arrears, the amount and interest of arrears, the time and method of repayment, the liability for breach of contract and the dispute settlement mechanism.

Solution to the limitation of action price beyond the debt;

1. During the period beyond the limitation of action, both parties shall try their best to reach a repayment agreement on the original IOUs and IOUs through friendly negotiation. If both parties reach a repayment agreement on the original debt, the repayment agreement belongs to a new creditor-debtor relationship and should be protected by law;

2. If the limitation of action is exceeded and both parties cannot negotiate, one creditor may consider sending a notice of repayment due to the other party. If the debtor signs or seals the notice, it shall be deemed as a reaffirmation of the original debt, and the relationship between creditor's rights and debts shall be protected by law. From the perspective of limitation of action, if the repayment date is indicated in the IOU, the limitation of action shall be calculated for two years from the day after the repayment date. After the contract comes into effect, the parties have not agreed or clearly agreed on the quality, price or remuneration, place of performance, etc. They can supplement it by agreement.

To sum up, the IOUs are not written by the parties, but signed by the parties. As long as the party signing the IOU has the corresponding capacity for civil conduct, the behavior is the expression of its true meaning, and it does not violate the legal provisions or public order and good customs, the IOU is legal and effective.

Legal basis:

Article 143 of the Civil Code of People's Republic of China (PRC)

A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 20

Minors under the age of eight are persons without capacity for civil conduct, and their legal representatives act as agents to carry out civil legal acts.