Hello, Fan Wen gave the following examples:
receipt for a loan
XXX has borrowed RMB _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The above loan is agreed to be paid off before _ _ _ _ _ _ _ _+0 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Borrower: ××××× IDNo. _ _ _ _ _ _ _ _
Address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Loan date: 2065438+0 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
How to write an iou to have legal effect? 20 points
I. Matters needing attention in writing IOUs are mainly as follows:
1. The borrower should write the full text of the loan and sign it, not print it;
2. The loan content is accurate and unambiguous;
3. It is required to write down the borrowing time, borrowing purpose (the purpose should be legal and cannot be used for illegal purposes such as gambling), interest agreement and repayment period;
4. Lenders should try not to pay in cash, especially for large loans, and should use bank remittance, and the other party's account name is the same as that of the borrower;
5. If the other party's credit or repayment ability is poor, you can ask for a guarantee or guarantor.
Remarks: The borrower refers to the debtor, that is, the person who needs to borrow money, and the lender refers to the creditor, that is, the person who provides loans to others.
In addition, if both parties need to agree on more matters, they can sign a loan contract at the same time as writing the loan note and make detailed agreements.
Second, the loan model.
receipt for a loan
For the purpose of XX, I borrowed RMB XXX from XXX (the lender), with a loan term of X months and a monthly interest rate of XX. The loan has been delivered in the form of XXX (fill in cash, bank remittance, etc. ). If it is not paid off due, interest will be charged according to the standard of XX yuan per day.
Borrower: XXX
date month year
Three. References:
jingyan.baidu/...0
How to write a formal IOU to have legal effect?
To have legal effect, an iou should have the following contents:
1. The legal full names of the borrower and the lender shall be clearly written;
2. The loan amount should be clearly written, including the amount expressed in words and figures;
3. The term of the loan should be clearly written, including the start and end dates of the loan and a clear loan term;
4. The specific repayment date should be clearly written;
5. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the final total loan interest (including the amount expressed in words and figures) should be agreed;
6. The date, month, day, time and payment method of repayment of loan principal and interest shall be stated;
7. There should be the borrower's personal signature, handprint or handwritten signature.
Core tips on how to write IOUs:
There is no uniform regulation on the format of IOUs, but if IOUs need to have legal effect, the content must meet the requirements. If the IOU is to have legal effect, it should be written in the following format:
The standard writing format and content examples of IOUs are as follows:
receipt for a loan
XXX has borrowed RMB _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The above loan is agreed to be paid off before _ _ _ _ _ _ _ _+0 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Borrower: ××××× IDNo. _ _ _ _ _ _ _ _
Address: _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
Loan date: 2065438+0 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
How to write an IOU to have legal effect?
Basic elements of IOUs
1. Name, ID number and address of the borrower. The borrower is an individual and must sign it himself. The legal effect of the iou signed by others will be controversial. For example, a loan signed by Zhang San and Li Si will bring legal trouble to the borrower.
2. Lender's name: it is required to write the full name, and it is best not to write it, so as to avoid obstacles when claiming creditor's rights.
3. Write down the loan amount clearly: it is best to write down the currency of the amount clearly, such as how much RMB is, and write it separately in uppercase and lowercase to avoid unclear disputes, but be sure to check the consistency of uppercase and lowercase.
4. Repayment period: The agreement on repayment period has advantages and disadvantages.
Write down the repayment period clearly: advantages: after the creditor expires, it is natural to ask the debtor for repayment, especially a reason for friends to borrow money and collect money. Disadvantages: creditors must pay attention to the limitation of action, starting from the date when the repayment period indicated in the IOU expires. Within 2 years, the creditor must claim his creditor's rights (receive them by collection letter or bring a lawsuit to the people's court), otherwise, after the creditor's rights expire for 2 years, it will be beyond the limitation of action, and even if a lawsuit is filed, it will be difficult to win.
Don't write the repayment period: Advantages: You can ask for repayment at any time, and you are not limited by the two-year statute of limitations. Disadvantages: friends are not good at urging repayment.
5. Interest: for private loans, if there is an agreed interest rate, it shall be implemented as agreed by both parties; If there is no agreed interest rate, it is regarded as an interest-free loan. Before the creditor claims to repay the loan and pay interest, the people's court generally does not support the interest during the normal loan period.
6. Repayment method: whether to repay the principal and interest in one lump sum or in installments, and what period and how much, need to be clear.
7. Signature: the borrower's signature, complete date (year, month and day), preferably stamped and touched.
How to write an IOU to have legal effect?
Whether the IOU has legal effect does not depend on how to write it. It depends on whether the reason for the arrears is legal and whether the debtor signs it. As long as the language is accurate and unambiguous, the debtor's signature on the debt will have legal effect. For example, I owe a salary of 12000 yuan to someone today, and the debtor is someone. Year month day.
How to write the loan is legally effective, and what is the maximum interest?
Interest, as long as it does not exceed 4 times the bank loan interest rate in the same period.
As a common style, IOUs are used to show the loan relationship between the two parties, and also the most effective proof to ensure the normal debt relationship. For the writing format and essentials of IOUs, the following method steps can be used as a reference.
First of all, we should pay attention to the standardization of format. Usually, the IOU consists of three parts, namely, the title (the word IOU), the text and the signature (composed of the borrower and the borrowing time).
You can refer to the following format.
receipt for a loan
Today, Wang borrowed 5000 yuan from Li to buy furniture. The loan period is three months, from 20 14 1 to 20 14 1, and the monthly interest rate is 2%. If the loan is overdue for one day, it will pay a penalty of 3% of the borrowed principal.
Borrower: Wang Mou20 1 411month1.
Note: the contents of the loan and the borrower's signature must be filled in by the borrower himself, otherwise it will be invalid!
Secondly, it is necessary to specify the matters and reasons for borrowing, as well as the amount of borrowing, and at the same time indicate the amount in capital letters.
The iou does not include repayment related matters, and the repayment related agreement shall be attached if necessary.
In addition, for IOUs, you should choose a larger font when writing to prevent malicious modification.
How to write an IOU to have legal effect?
Hello!
As long as the format is correct and there is the signature fingerprint of the borrower, it has legal effect.
Give you a sample for your reference:
receipt for a loan
Borrower: Name, gender, nationality and date of birth.
Home address: _ _ _ _ _ _ _ _ _ _ _
ID number: _ _ _ _ _ _ _
Borrow RMB from _ _ _ _ _ _ _ _ _ _ _ _ _
Pay in one lump sum on _ _ _ _.
According to this
Borrower: _ _ _ _ _ _
Guarantor: _ _ _ _ _ _
Loan date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
If you have any questions, ask them. If you are satisfied, please adopt them. Thank you.
How to write a formal IOU to have legal effect?
The nature of the document is clearly stipulated in the IOU, so be careful not to leave spaces between it and the top of the paper and the text, so as to avoid being filled in with other contents afterwards;
In order to purchase the server, Article 11 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases states: "Lenders know that borrowers borrow money for illegal activities, and their lending relationship is not protected". Defining the purpose of the loan in the IOU can effectively prevent the borrower from shirking the debt by gambling debts and protection fees in the future;
I have received it. This description can prevent borrowers from shirking their debts on the grounds that they have written IOUs but have not received any money.
ID number to avoid the problem of duplicate names;
Make it clear that the cash collection method is from the bank, and remember to write down the account number;
Ten thousand yuan is only to prevent the figures from being tampered with, including the following interest, date and so on. All need to be capitalized;
The loan period is six months, and the loan period is clear;
The monthly interest rate is 8‰, and the interest is clear. According to the new regulations, the annual interest rate is protected by law within 24%. More than 24% but not more than 36% is natural debt. If it has been repaid, the court will not forcibly take it back. More than 36% can be repaid through the court (for a comprehensive interpretation of private lending interest, please reply "interest" in the official account of Tuanzihui WeChat);
If it is not paid off at maturity, it is willing to pay overdue interest at the monthly interest rate of 10‰.
Take this as the basis for closing the loan, in case other contents are added in the future, and there is no blank between it and the signature;
Borrower: Group signature, preferably handprint. Handwriting appraisal fee is 800-2000, which is not cheap.
How to write an iou with legal effect?
Model 1 (with interest), model 2 (with conditional interest)
receipt for a loan
On a certain day in _ _ _ _ _ _ _ _. If it cannot be returned on time, it is willing to pay a penalty of RMB _ _ _ _ _ _ _ _.
Borrower (signature):
Date:
Fill in the specification
When filling in the above loan model, you should pay attention to the following matters:
1. The legal full names of borrowers and lenders should be clearly written, and it is best to attach ID numbers;
2. The loan amount should be clearly written, including the amount expressed in words and figures;
3. The term of the loan should be clearly written, including the start and end dates of the loan and a clear loan term;
4. The loan interest should be clearly written, with a clear annual or monthly interest rate, the total amount of loan interest that should be paid in the end (including the amount expressed in words and figures) and the payment method;
5. The date, month, day, time and payment method of repayment of loan principal and interest shall be stated;
6. There should be the borrower's personal signature, handprint or handwritten signature. [ 1]
7. If the amount is large, the loan purpose or payment record shall also be indicated.
How to write a formal IOU to have legal effect?
As long as the facts of the loan are clear, the lender and the borrower, the loan amount and the loan time all have legal effect.