Formal private IOU templates (9 in total) (1)? The loan is RMB (in figures) ×× Yuan only, namely ××× Yuan. The loan term is from ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
? The Guarantor confirms that I agree to undertake joint liability guarantee to the Lender for the above debts of the Borrower. The guarantee period is from the date when the IOU is issued to two years after the loan repayment period expires, and the scope of guarantee covers all the loan principal and interest, liquidated damages, compensation and expenses (legal fees, attorney fees, travel expenses, notarization fees and other actual expenses) of the lender to realize the creditor's rights. The validity of this confirmation clause is independent of the IOUs, and the invalidity of IOUs does not affect the legal validity of this confirmation clause.
? Note: 1. This iou is also a legal certificate for the borrower to receive the loan; 2. Copies of the ID cards of the Borrower and the Guarantor, as annexes to this IOU, have the same legal effect as this IOU.
? Borrower: ID number:
? Guarantor: ID number:
? Date of issue of IOUs: YY.
? (Note: 1. In order to protect the rights and interests of users, it is suggested that users should be guided by legal professionals when deleting white bars according to their own needs;
? 2. The IOU shall be filled in and signed by the borrower. If there is a guarantor, the guarantor should also sign for confirmation;
? 3. Lenders should pay attention to the limitation of action. As the repayment period is stipulated in the IOU, the 2-year statute of limitations starts from the expiration of the repayment period;
? 4. According to the provisions of judicial interpretation, the interest rate of private lending cannot exceed 4 times that of bank loans in the same period, and the excess is not protected by law;
? 5. If there is no agreement between citizens to pay loan interest, it shall be regarded as not paying interest;
? 6. According to the relevant provisions of China's contract law, the loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.
? 7. Copies of the ID cards of the borrower and guarantor shall be signed and confirmed by myself. )
Formal private IOU template (9 in total) (2 in total)? On a certain day in _ _ _ _ _ _ _ _. If you can't return it on time, you are willing to bear all the legal responsibilities arising therefrom.
? Borrower (signature):
? * * * With the Borrower (signature and seal):
? Date: _ _ _ _ _ _ _ _ _ _ _ _
Formal private IOU templates (9 in total) (3)? Party A's XXX (ID number) is now lent to Party B in RMB _ _ _ _ (in words).
? The loan term is: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
? The loan interest is _ _ _% (monthly interest rate).
? Liability for breach of contract: If Party A fails to repay the loan principal and interest on schedule, the liquidated damages shall be RMB.
? Borrower (signature and fingerprint)
? _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Formal private IOU template (9 in total) (4 in total)?
? Borrower: name _ _ _ _ _, home address _ _ _ _ _ _ _ _, and telephone number _ _ _ _ _ _ _
? Today, I borrowed RMB from _ _ _ _ _ _ _ _ _. If the loan cannot be repaid in full on time, the borrower shall pay the lender RMB Yuan only, that is, RMB Yuan.
? Borrower: _ _ _ _ _ _ ID number:
? Loan date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
? Guarantor: _ _ _ _ _ ID number:
? Warranty date: _ _ _ _ _ _
? The Guarantor confirms that I agree to undertake joint liability guarantee to the Lender for the above debts of the Borrower. The guarantee period is from the date when the IOU is issued to two years after the loan repayment period expires, and the scope of guarantee covers all the loan principal and interest, liquidated damages, compensation and expenses (legal fees, attorney fees, travel expenses, notarization fees and other actual expenses) of the lender to realize the creditor's rights. The validity of this confirmation clause is independent of the IOUs, and the invalidity of IOUs does not affect the legal validity of this confirmation clause.
? Note: 1. This iou is also a legal certificate for the borrower to receive the loan; 2. Copies of the ID cards of the Borrower and the Guarantor, as annexes to this IOU, have the same legal effect as this IOU.
Formal private IOU template (9 in total) (5 in total)? Today, ×××××× Yuan (in words) is ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× The loan term is from ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
? If the loan is fully paid off, the Borrower shall pay the Lender RMB (in words) only, namely RMB. The Guarantor confirms that I agree to undertake joint liability guarantee to the Lender for the above debts of the Borrower. The guarantee period is from the date when the IOU is issued to two years after the loan repayment period expires, and the scope of guarantee covers all the loan principal and interest, liquidated damages, compensation and expenses (legal fees, attorney fees, travel expenses, notarization fees and other actual expenses) of the lender to realize the creditor's rights. The validity of this confirmation clause is independent of the IOUs, and the invalidity of IOUs does not affect the legal validity of this confirmation clause.
? Note: 1. This iou is also a legal certificate for the borrower to receive the loan; 2 copies of the ID cards of the borrower and guarantor.
? As an annex to this IOU, it has the same legal effect as this IOU.
? Borrower: ××××× ID number:
? Guarantor: ××× ID number:
? Date of issue of IOU: MM DD YY.
Formal private IOU template (9 in total) (6 in total)? I borrow xxx (the lender) for x months, with a monthly interest rate of x ‰, and repay the interest in advance every month; And pay off the principal and interest together when it expires on X, 20 15. If it is not paid off at maturity, it is willing to pay overdue interest at the monthly interest rate of X ‰. I am willing to pay x ‰ interest if it is overdue for more than x months. The interest rate that is not paid on time will be automatically included in the loan principal.
? I hereby certify that I have received all the loans.
? Borrower:
? ID number:
? Identification certificate of the borrower (attachment 1)
? Contact address: Dongguan
? Contact telephone number:
? Loan date: x year x month x day
? The above-mentioned borrowing facts of both parties are true and valid, and I agree to undertake joint liability guarantee to the lender for the above-mentioned debts of the borrower. The guarantee period is from the date when the IOU is issued to the date when the loan and interest rate are paid off, and the scope of guarantee covers all the loan principal and interest, liquidated damages, compensation and expenses (including legal fees and other expenses) for the lender to realize the creditor's rights. The validity of this guarantee clause is independent of the receipt, and the invalidity of the receipt does not affect the legal validity of this guarantee clause.
? Guarantor:
? Guarantor ID number:
? Contact telephone number:
? Date: x year x month x day
Formal private IOU template (9 in total) (7 in total)? 20xx65438+February, due to the need of business turnover, Wang borrowed 20,000 yuan from his friend Zhang and issued a debit note, but the repayment period was not specified. During the loan period, Zhang did not urge Wang to repay because of his feelings.
? Until 20xx 65438+ 10 month, Zhang urged Wang to repay on the grounds that his son needed money for marriage, but Wang refused. Zhang appealed to the court, and Wang argued that Zhang's creditor's rights had exceeded the statute of limitations.
? In this case, there are two opinions about whether Zhang's creditor's rights exceed the limitation period:
? The first opinion is that the limitation of action in this case should be calculated from the date of borrowing, and Zhang's creditor's rights have exceeded the limitation of action.
? The second opinion is that the limitation of action is calculated from the time when he knows or should know that his rights have been violated. Zhang has never claimed his rights, and it is impossible to know that his rights have been violated. The statute of limitations has not yet begun, and Zhang's creditor's rights certainly have not exceeded the statute of limitations.
? [Comment] What this case actually involves is how to calculate the limitation of action for loans with no agreed repayment period.
? Limitation of action refers to the legal system in which the obligee fails to exercise his rights within the statutory period and loses the right to ask the people's court to protect his civil rights. According to the relevant provisions of the General Principles of the Civil Law, the limitation period of action is two years from the date when the repayment period is specified. For an iou with no agreed repayment period, the debtor may perform its obligations to the creditor at any time, and the creditor may also require the debtor to perform its obligations at any time, but the other party shall be given the necessary preparation time.
? The limitation of action is calculated from the time when the obligee knows or should know that the right has been infringed, so the two-year general limitation of action is calculated from the date when the obligee claims the right and the obligor refuses to perform the obligation. If the obligee fails to claim the right, the limitation period shall not be counted. However, if the creditor does not claim the right, the longest limitation period shall apply, that is, 20xx years from the date of the creditor-debtor relationship. If it is more than 20xx years, the people's court will not protect it.
? To sum up, the starting time of the statute of limitations in this case should be from the time when Zhang sued the court, so the debt in this case did not exceed the statute of limitations.
Formal private IOU template (9 in total) (8 in total)? Xxx (the borrower) hereby borrows RMB xx Yuan only (in words:) from xxx (the lender), with a monthly interest of xx%. According to this
? Borrower: xxx
? Id number:: xxx
? Address: xxxxx
? Date: xx, xx, xx, XX
? Guarantor:
? Id number:: xxx
? Address: xxxxx
? Date: xx, xx, xx, XX
? As a part of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
? It is expected to be returned as scheduled before _ _ _ _ _ _.
? During the period, the monthly interest is RMB Yuan only, which should be paid at the beginning of each month without any mistakes.
? I'm afraid the above words are groundless, and I hereby give you an iou as proof.
? Voucher lender: _ _ _ ID number: _ _ _ _ _ _
? Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
? Certificate borrower: _ _ _ _ _ ID number: _ _ _ _ _ _
? Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
? Witness: _ _ _ _ _ _ ID number: _ _ _ _ _ _ Contact address: _ _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _
? Guarantor: _ _ _ _ _ _ ID number: _ _ _ _ _ Contact address: _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
? _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Formal private IOU template (9 in total) (9 in total)? As a part of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
? It is expected to be returned as scheduled before _ _ _ _ _ _.
? During the period, the monthly interest is RMB Yuan only, which should be paid at the beginning of each month without any mistakes. I'm afraid the above words are groundless, and I hereby give you an iou as proof.
? Voucher lender: _ _ _ ID number _ _ _ _ _ _ L Contact address:
? _ _ _ _ _ _ Tel: _ _ _ _ _ _ _
? Debtor of the receipt: _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ Address: _ _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
? Witness: _ _ _ _ _ _ ID number: _ _ _ _ _ Address: _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
? Guarantor: _ _ _ _ _ _ ID number: _ _ _ _ _ Address: _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _