According to "Does the handwritten loan have legal effect?" Handwritten IOUs published on the legal map website have legal effect. According to the relevant spirit of Chinese law, the following requirements need to be met: it must be something that can prove the fact of debt; Must be the expression of true meaning; The acquisition of IOUs must be legal. As long as the handwritten IOUs meet the statutory conditions and the prescribed format, they will be recognized as legal and valid IOUs.

Article 667 of the Civil Code stipulates that a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.