Lenders, lenders and creditors can do it. But the names should correspond. For example, if one party calls the borrower, the other party should call the lender; If one party is called a debtor, the other party is called a creditor.

I. Form of loan:

Reason: Due to personal financial difficulties, I borrowed RMB ××× 1000 today.

Borrower: ××× (signature)

Loan date: 20XX April 1.

Repayment date: August 20XX 1.

Second, the loan format:

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: ××× (signature)

Date: August 20XX 1

Borrowing needs to pay attention to the following five points:

1. It's best to attach the ID numbers of the lender and the borrower in the debit note to avoid unnecessary disputes.

2. When the borrower signs, the lender must see his signature with his own eyes to prevent the borrower from signing with others, and finally refuse to recognize the IOU.

3. The borrower must be the borrower, not the lender, otherwise the borrower will argue that the content is not the original.

4. Try to avoid using different languages. Simple and semantically simple IOUs are the most standard IOUs. Avoid vague language like "A borrows money from B", because it is easy to tell who is the lender and who is the borrower.

The name should be written as IOU, not IOU. Their legal meanings are quite different. IOUs are valid for 20 years and IOUs for 3 years.