1. The title should be "IOU".

2, "indicate the purpose of the loan, so as to avoid the borrower's defense that the loan is gambling debt, breakup fee, etc. In the event of a lawsuit.

3. Write down the full name of the borrower.

4. Indicate the loan method.

5. The amount should be written in Arabic numerals and capital numerals at the same time, so as to avoid disputes over whether to tamper with the amount in the future; At the same time, the currency should also be stated, whether it is RMB or other currencies.

6. The borrowing time and repayment date must be clear to avoid disputes over when to repay; The loan term should also be capitalized.

7. Interest rate should be clearly expressed as annual interest rate or monthly interest rate, and should also be capitalized. 10. It is a common dispute whether the interest rate after maturity is consistent with the agreed interest rate during the loan period, and the overdue interest rate slightly higher than the loan interest rate should be stated in the debit note; Use capital letters.

8. Take this as the conclusion of the IOU text, so as to prevent the IOU holder from adding content at the end of the IOU text and leaving no blank line between the IOU text and the borrower's signature.

9. The borrower's name should be written completely.

10. This date should be the actual payment date of the loan and should be capitalized.