Hello, here's the thing Listed below are 7-point and written loans to support your printing.
1. The legal full names of the borrower and the lender shall be clearly written;
2. The loan amount should be clearly written, including the amount expressed in words and figures;
3. The term of the loan should be clearly written, including the start and end dates of the loan and a clear loan term;
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 total loan interest (including the amount expressed in words and figures) should be agreed;
6. The date, month, day, time and payment method of repayment of loan principal and interest shall be stated;
7. There should be the borrower's personal signature, handprint or handwritten signature.
An IOU is a written document indicating the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou.
After the money and goods are returned, the bill is revoked or torn by the bill holder. This is a document. Usually used in daily life and business management.
From a legal point of view, an IOU is a written document showing the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated on the IOU.
(Please refer to the page link of Baidu Dictionary for information. )
How to make an IOU to borrow money is correct?
To make an iou for personal loan, you must have the creditor's name, loan amount, interest calculation, repayment time, liquidated damages, dispute resolution method, debtor's name, loan date and other elements. 1. Legal full names of borrowers and lenders. 2 loan amount, including the amount expressed in words and figures. 3 loan term, including the beginning and end of the loan, year, month, day and the determined loan term. 4. Specific repayment date. 5. The loan interest should have a clear annual interest rate or monthly interest rate, and the final total loan interest payable (including the amount expressed in words and figures). 6. The year, month, day, time and payment method of repayment of loan principal and interest. 7. The borrower shall have his own signature, handprint or handwritten signature. Extended information: a written document indicating the relationship between creditor's rights and debts, usually written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. After the money is returned, the drawer takes back the bill, which is invalid or torn. This is a kind of written evidence. Usually used in daily life and business management. From a legal point of view, an iou is a written document showing the relationship between creditor's rights and debts. Generally, it is written and signed by the debtor, indicating that the debtor has owed the creditor the debt with the amount indicated in the IOU.
How to make a loan for private lending?
Inter-personal loan IOUs need to include the following information:
The lender, borrower, loan amount, loan time and other main contents are legal and valid.
It should be pointed out that:
Write clearly the legal full names, date of birth, address and contact information of the borrower and lender.
It is suggested to attach a copy of ID card to the contract.
(2) Write down the loan amount clearly, including the amount in words and figures.
(3) Write clearly the loan term, including the beginning, end, year, month, day and clear loan term.
(four) write clearly the loan interest, there should be a clear annual interest rate or monthly interest rate, and finally pay the total loan interest.
(5) The date, month, date, time and payment method of repayment of loan principal and interest shall be clearly written.
(6) The borrower's personal signature, handprint or handwritten signature shall be available.
(7) It is suggested to pay the loan by transferring it to the account in the borrower's name. If the payment is in cash, the borrower should issue a receipt to confirm that the payment has been received.
Legal basis:
Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.
If the lender requires the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the listed interest rate in the one-year loan market when the contract is established.
The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.
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The correct way to write IOUs
The method of making IOUs is as follows:
1, loan amount and loan time.
2. Then indicate the repayment date.
3, and pay the overdue penalty every year in proportion to the total amount.
4. Finally, specify the name and identity information of the borrower.
5. The last time to write the loan.
Article 668 of the Civil Code of People's Republic of China (PRC) 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.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
How to write a description of personal loan
How to write a personal loan slip:
Write the title first: write "loan contract" or "IOU" in the middle of the paper.
2. Fill in the identity information of the borrower and lender: including the names and ID numbers of your borrower and lender.
Third, write the loan information: mainly write the purpose and amount of the loan amount.
Fourth, write down the loan term: be sure to specify the date and maturity of the loan.
Verb (abbreviation of verb) loan interest: This place must be clearly written, and both loan interest and overdue interest should be written.
6. Signature: Finally, both parties should sign, leave fingerprints, stamp, etc.
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
I. Use
Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different.
Second, the characteristics
1. High interest rate;
2. The scale is cyclical;
3. The borrower lacks interest rate flexibility.
Third, the type
Personal housing loan:
1. Personal housing commercial loan.
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2. Personal housing provident fund loans.
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans.
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
How to type loan IOUs has legal effect.
The loan receipt needs to be clear about the following contents before it has legal effect:
1. Legal full names of borrowers and lenders.
2 loan amount and loan term.
3. The interest of the loan should have a clear annual interest rate or monthly interest rate, and the total interest of the loan should be paid finally.
4. The date, month, day, time and payment method of repayment of loan principal and interest.
5. Personal signature, handprint or handwritten signature of the borrower.
According to Article 668 of the Civil Law, 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.
Article 668 of the Civil Code
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.
This is the end of the introduction on how to type IOUs and how to type IOUs. I wonder if you have found the information you need?