Loans can be notarized by hand, as long as the borrower's signature is his own. Such an iou is valid. As long as the borrower does not deny his signature, there is no need for handwriting identification.
If it is a handwritten IOU, the following contents should be clearly written:
1. Lender: the names of the lender and the borrower.
2. Currency: the settlement unit of the loan.
3. Loan amount: the amount should be expressed in figures and words, which should be consistent. Some people will sue because the numbers and words are inconsistent.
4. Use: It cannot be used for illegal activities. If the other party borrows money for illegal activities, the creditor's rights are not protected by law.
5. Interest rate: Unlike interest, the interest rate of x% is the annual interest rate and the interest rate of x‰ 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.
6. Repayment time: the starting time that affects the limitation of action.
7. Borrower; The names of the lender and the borrower shall be the same as those on my resident identity card.
8. Borrowing time: Lunar calendar or solar calendar.
Note: If it is overdue, you can sue. Generally, the time limit for prosecution is 2 years, and after 2 years, it is impossible to prosecute.