Legal analysis: When the interest rate is agreed, the specific expression methods of interest rate should be clearly stated, which mainly include: annual interest rate: expressed by "%"; Monthly interest rate, expressed in "‰"; Daily interest rate, expressed in "/ten thousand". The handwriting is clear and the paper is complete. Explain the reason for the loan, the name of the lender, the amount and currency of the loan, and indicate the calculation method of interest if there is interest.

legal basis: according to article 67 of the civil code of the people's Republic of China, the interest on the loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual loan amount and the interest shall be calculated. According to Article 671 of the Civil Code of the People's Republic of China, if the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.