Repayment IOUs generally consist of three parts: title, text and signature. Generally, the title of the IOU is to write the word "IOU" in large font at the top and middle of the text. The borrower, debt target, debt amount and other information should be written in the body of the loan, and the repayment date should be indicated. The signature place shall be stamped with the name of the debtor's unit and the personal signature of the handler. If the debt is issued by an individual, the debtor's personal name should be attached. Meanwhile, the date of signing the debt.

legal ground

Article 675 of the Civil Code, the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

How to write a note when the debt is paid off?

In private lending, if the parties return the borrowed amount, they should ask the lender to write a receipt to ensure that the other party has indeed received the loan and avoid disputes in the future.

First, how to write the receipt for returning the loan?

I have received _ _ _ _ _ _ _ _ documents.

All the arrears have been paid off.

RMB _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ (payee's signature)

_ _ _ _ (signature of entrusted collection agent)

_ _ _ _ _ _ _ _ _ _

Witness: _ _ _

Place of writing: _ _ _ _ _

Second, the content of the receipt requirements

Generally speaking, there are two types of receipts. One is a receipt for an individual, and the other is a receipt for a certain unit. The receipt issued by the unit is generally handled by one person and issued in the name of the unit.

A complete receipt usually consists of three parts: title, text and signature.

1, title

The title is written in the middle position above the text, with a slightly larger font. There are two ways to write a title. One is directly composed of literary names. That is, write "receipt" or "receipt". The other is to use the first three words of the text as the title, and the text is written down from the top of the second line. If you use "received today", "received now" and "received" as the title.

2. Text

The text is usually written in two blank spaces on the second line, but the receipt titled "Received Today" is not blank. Generally, the following contents should be stated in the text, that is, the amount of money and goods received, the types and specifications of goods, etc.

Step 3 sign

It is generally required to write the name of the individual or unit that receives the money, and the specific date of receiving the money is generally stamped with the official seal of the department. It was handled by someone, and the words "Handler:" are usually put in front of the name. If it is collected on its behalf, the words "consignee:" shall be added before the name.

3. Where does the receipt apply?

Receipt is a voucher application written to the other party when accepting money or goods from others or units. Receipts are also called receipts. Receipt is also a common practical article in daily life.

Receipts are generally applicable to the following occasions.

1. When the original borrower or borrower returns the money owed or borrowed, the lender is not present and can only be collected by others, and a receipt can be written. If the parties are present, there is no need to write a receipt, just return or destroy the loan or the original loan.

2. When an individual pays some related expenses or property to a unit or group, the other party needs to issue a receipt certificate.

3, all kinds of money and materials between units, should be based on the receipt. Of course, in formal occasions, there are generally official bills printed by the state, which is another situation.

According to the laws of our country, if there is no receipt, it is very unfavorable to the borrower, because the lender can sue at any time with the receipt, and then the borrower can't prove the problem of returning the loan.

How to write an application for prepayment of bank loans?

Model essay on bank prepayment application

XX Sub-branch of China Industrial and Commercial Bank (loan handling bank):

I applied for a mortgage loan of XX yuan in your bank on XX, XX, XX, with the loan term from XX to XX, XX, and the repayment method is equal principal and interest (or average capital). Now that my income has improved and I have sufficient funds, I apply to pay off all the remaining loans (or part of XX million yuan) at one time. Please approve!

Applicant: XXX

XX year XX month XX day

Repayment procedures and formalities

According to the regulations of the bank, customers need to submit a written application one week to one month in advance to agree on the repayment date. Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and prepayment agreement, and deposit the money to be repaid into your account for withholding the loan principal and interest according to the requirements of the bank, and the bank will automatically deduct the money.

There is no limit to the number of times a bank repays the loan in advance, and it can pay off the loan in whole or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some banks stipulate that the loan can be repaid in advance if it is more than 1000 yuan.

Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the income of the lender keeps increasing, you can choose the repayment method of shortening the loan term and realize the desire of being debt-free as soon as possible. If the income does not increase too much, you can reduce the repayment amount and keep the repayment period unchanged, which will reduce the repayment pressure.

Please note that the prepayment application form is irrevocable once confirmed by the borrower's bank. As a supplementary clause of the loan contract, it has the same legal effect as the loan contract. If the loan purchaser fails to repay the loan in advance according to the date and amount specified in the application for prepayment sent to the borrower's bank for any reason, it will be regarded as overdue repayment, and the loan purchaser will bear corresponding liabilities for breach of contract according to the loan contract.

Repay the loan in advance (methods, requirements, precautions, etc.). )

Prepayment (procedures, preventive measures, plans, etc.). )