The reasons for individuals to apply for bank loans must be legal and reasonable. You can fill in the reasons for applying for a loan according to your recent situation. The general reasons are buying a car, buying a house, decorating and purchasing goods. Banks won't be too inquisitive and don't fill in the reasons for debt repayment. Banks can't judge the risk after borrowing and will refuse to apply for loans.

In order to make the IOU legally effective, it should include the following contents:

1. The full legal names of the borrower and the lender shall be clearly written.

2. The loan amount should be clearly written, including the amount in words and figures.

3. The term of the loan should be clearly written, including the start and end dates of the loan and the clear term of the loan.

4. The specific repayment date should be clearly written.

5. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the final loan interest amount (including the amount expressed in words and figures) should be agreed.

6. The repayment date, month, day, time and payment method of the loan principal and interest should be clearly written.

7. There should be the borrower's personal signature, handprint or handwritten signature.

Legal basis:

Article 668 of the Civil Code stipulates that a loan contract shall be in written form, unless otherwise agreed between natural persons.

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