Get a loan from the bank, and you don't have to write an iou after signing the agreement. IOUs usually apply to the following situations: 1. When buying goods or products, I have to write a debit note because I can't pay or pay all the money of others. 2. The money and things borrowed from others or units have not been paid by then, or not paid in full, and some are still in arrears. Then you need to write an IOU. 3. Borrowing personal or public money and things, and the certificate after completion can also be called IOUs. Writing of IOUs: IOUs generally consist of three parts: title, text and signature. (1) title. The title of IOU is generally composed of language names, that is, the word "IOU" is written in large font at the top and middle of the text. Some people write the words "temporarily owed" or "now owed" in this position as the title, but the text of this title is written in the top box of the next line. (2) the text. The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date. (3) signature. Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals. Legal basis: Article 35 of the Commercial Bank Law. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.