As long as the IOU is authentic, it will be valid even if it is not fingerprinted. However, in order to better protect the interests of creditors, it is recommended that when writing an IOU, in addition to signing, you should also fingerprint it as much as possible to enhance the effectiveness of the IOU. In addition, after writing the IOU, it should be noted that the statute of limitations for the IOU is three years.

Legal Basis

Article 490 of the "People's Republic of China and Civil Code" Where the parties conclude a contract in the form of a contract, both parties shall sign, seal or press A contract is formed at the time of fingerprinting. Before signing, sealing or fingerprinting, one party has performed its main obligations and the contract is established when the other party accepts it. Laws and administrative regulations stipulate or the parties agree that a contract should be concluded in written form. If the parties do not use written form but one party has performed its main obligations and the other party accepts it, the contract is established.