Borrower (Zhang San); ID number (1234567890098 * * * 3); Gender (male); Ethnic group (Han nationality); Telephone number (124 * * * * *); Home address (Happiness Avenue 123)
Lender (Li Si); ID number (44390090 * * 423213); Gender (male); Ethnic group (Han nationality); Telephone (138 * * * *) Home address (No.459 Pufa Avenue)
On July 7th, 20021year, the borrower borrowed one hundred yuan (in words) from the lender Li Si. During the loan period, the borrower shall give the lender corresponding interest 5 yuan. The loan date is one year and the annual interest rate is 0.05%. Both parties agreed to pay off the principal and interest in one lump sum before July 7, 2022, totaling 105 yuan. The borrower returns it to the lender by bank card transfer.
Date: July 7th, 20021year
Borrower: Zhang San
Lender: Li Si
Generally speaking, an IOU is a written proof of the apparent creditor-debtor relationship and has legal effect. Once there is a dispute between the two parties, the IOU can be used as evidence to claim the creditor's rights to the people's court.
In our daily life, we will inevitably meet friends who borrow money from you. In order to reduce your property losses, if the amount is relatively large, I suggest that you must ask your friends to write IOUs, which is also a guarantee for you. If you think this will hurt the feelings between friends, then when you transfer money, you must remember that the remarks are IOUs, which will help you to collect debts in the future.
However, I suggest you see if the other party is worth borrowing money before you decide whether to borrow it or not. If the other party's reputation is poor and friends around him say they won't pay back the money, then I suggest you don't borrow it. Because even if you have a few IOUs in your hand, it's hard for people to cheat you out of paying you back.