1, title. Titles are generally composed of genre names, that is, the word "IOU" is written in large font in the middle of the top of the text. Some still write the words "temporarily owed" or "now owed" as the title in this position, but the text of this title is written at the top of the next line;

2, the text. In the body of the loan, it is necessary to write clearly how much money, what to borrow, to whom or what unit to lend, and indicate the date of repayment;

3. signature. The signature should have the name of the owed unit and the personal signature of the person in charge, and at the same time, the date of signature of the debt should be clearly written. Units should build official seals and individuals should build private seals.

Attachment: models who owe money are as follows:

I have borrowed _ _ _ _ _ _ _ _ _ _ months.

The loan term is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Debtor (signature): _ _ _ _ _ _ _ _ _ _ _ _

Id card: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Contact information: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Witness: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Id card: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Contact information: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC).

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Article 677

If the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.

Article 678

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 679

A loan contract between natural persons shall be established when the lender provides the loan.