Hello 1. The full legal names of the borrower and lender should be written clearly, preferably with an ID number;

2. The loan amount should be written clearly, including capital letters. and the amount in lowercase; 3. The loan time period should be written clearly, including the start and end years of the loan and a clear loan period; 4. The interest on the loan should be written clearly, with a clear annual interest rate or monthly interest rate, and the final amount payable The total amount of interest on the loan (including the amount in uppercase and lowercase letters), as well as the payment method and other agreements;

5. The year, month, day, time and payment method for the repayment of the loan principal and interest should be clearly written; 6. There should be a personal signature of the borrower , fingerprint or handwritten signature. 7. If the amount is large, the purpose of the loan or the payment record should also be indicated.

IOU

I still owe six shovels that I borrowed from the Infrastructure Section of Shaoshan Road Sub-district Office in Changsha City on May 8, so I hereby leave this note.

Handler: Yang Guangsheng, Eastern District Hospital

August 6, ××year

IOU

Borrowed to Wang Lidong in March, ××year The RMB is eighty cents round, and now I pay the IOU as a voucher.

×Year×Month×Day

Due to the purchase of *(ID number*)* product, the total price is XX million yuan, X million yuan has been paid, and the balance is still outstanding X million yuan is paid before October 10th of a certain year. For every day of delay, I am willing to pay interest at the rate of 0.2% per day. The debtor (signature)*(ID number*)*year*month*day owes (cause) (creditor) RMB (amount) yuan, and this is the basis. The above is all the answers to what is a valid IOU format template. When borrowing money from others, you should pay attention to the format of writing IOUs and write them according to effective templates so that you can better protect your own interests. At the same time, the statute of limitations for IOUs is generally two years. If a dispute does occur, you should pay attention to the time for filing a lawsuit.

Legal Basis

Article 667 of the Civil Code Definition of Loan Contract A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Article 668: Form and Content of Loan Contract A loan contract shall be in written form, unless otherwise agreed on the loan between natural persons.

The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.