1. The IOU for loan must be written in white, not in lender.

2. IOUs should be as concise and clear as possible, and ambiguous language should not be used. The amount should be in uppercase and lowercase. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the total amount of loan interest that should be paid in the end (including the amount expressed in words and figures). .

3、? The loan term should be clearly written, including the start and end date of the loan, a clear loan term and a specific repayment date;

4. Try to attach the ID numbers of the borrower and lender.

5. The borrower shall sign and seal or fingerprint.

6. The loan itself must be a complete piece of paper, not a torn or scratched piece of paper.

7. On the issue of limitation of action, the three-year limitation of action starts from the date of repayment. If you fail to claim the creditor's rights from the borrower within three years from the date of repayment, you will lose the right to win the case.

Formal model of IOUs:

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: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

The basic contents of IOUs include: creditor's name, loan amount (local and foreign currency), interest calculation, repayment time, liquidated damages (deferred repayment), dispute resolution method, debtor's name, loan date and other elements.

As long as you have the creditor's name, loan amount, debtor's name and loan date (although it was added later), it meets the main requirements of the loan, so it has legal effect. Once a dispute arises, it can be used as evidence to claim creditor's rights to the people's court, and the people's court will accept it.

receipt for a loan

How much did Party A lend to Party B on a certain day of a certain year, with the loan term of xx, and agreed to return it on a certain day with interest ... If Party A fails to return it on time, how much penalty will it pay?

Signature of Party A

date