The loan contract shall determine the loan issuance date based on the nature and type of the loan. When the loan matures, the borrower shall repay the principal and interest in full. The following are 4 personal loan IOU templates that I compiled. They are for reference only. I hope you like them!

Personal loan IOU templates Part 1

Due to personal financial constraints, I have specially Borrowed RMB ______________ (capital: _____________) from ___________. The interest is (annual interest_______________).

Risk warning:

Write down the currency clearly. For RMB, write RMB, and US dollars means US dollars. Be careful not to lend the person US dollars, but when you go to court, the other party will say that you borrowed RMB. , then the court can only decide in RMB.

The payment method of interest is _______________; the principal repayment time is ______year______month______day. If the repayment is overdue, I am willing to pay liquidated damages __________, and I am also willing to pay the legal fees and litigation costs of the law firm requested by the creditor to collect the debt

Risk Warning:

< p> Interest can be agreed upon by both parties, but if a dispute eventually arises, the people's court will protect the unpaid interest as long as it does not exceed the annual interest rate of 24%; if the agreed interest rate exceeds the annual interest rate of 36%, the excess interest will be agreed upon invalid. However, if the agreed annual interest rate is 24%--36%, the lender may not refund part of the interest already paid by the borrower.

This is hereby established as a proof.

Borrower (signature):

ID number:

Contact information:

Year, month and day

Risk warning:

Contact information is also very important, ① to find the borrower and recall the loan; ② The statute of limitations for private lending is generally two years, and the lender can use phone recordings to prove that it is within the statute of limitations If a claim has been made during this period, the statute of limitations can be interrupted. So you must have valid contact information. Just in case, you can leave more than two contact information.

Personal Loan IOU Sample Part 2

Borrower: Name____, gender____, ethnicity____, date of birth______

Home address :______________

ID number: ______________

Today I want to borrow RMB from ______. Capital letters: ____ Yuan. Lower case: ____ Yuan. The term is ____ months. < /p>

One-time repayment on __ month __ day of __ year.

Based on this

Borrower: _________

Guarantor :________

Date of borrowing: __year__month__day

3. Validity period of the IOU

The validity period of the IOU refers to the statute of limitations of the IOU , the statute of limitations of the IOU does not affect the validity of the IOU itself. As long as it is a true and valid IOU signed legally, no matter how old it is, the IOU itself is valid. Time is just a matter of ensuring whether the statute of limitations has expired and whether you will receive legal protection.

Regarding the statute of limitations for IOUs, like the statute of limitations for private loans, it depends on whether the repayment time has been agreed upon. If the repayment date is specified, the statute of limitations will be calculated from the day after the repayment date. Three years. If there is no agreed return time, the maximum statute of limitations is 20 years.

Personal Loan IOU Sample Part 3

Party A (Borrower)_______________

ID Number:_________________________

Party B (Lender) )_____________________

ID number: __________________

Party A and Party B reach an agreement on the following matters and sign this contract.

1. Party B lends Party A RMB (in capital letters) ____________________ and delivers it to Party A before ____________________.

2. Loan interest: _______________________________________________

3. Borrowing period: _______________________________________________

4. Repayment date and method: _______________________________________________

5 , Liability for breach of contract: _______________________________________________

6. This contract shall take effect from _______________. This contract is made in two copies, with each party holding one copy.

Party A (signature, seal)_______________

Party B (signature, seal)_______________

Date of contract signing_______________

Personal Loan IOU Sample Part 4

Party A (lender): ID number: Party B (borrower): ID number:

Party A and Party A have reached an agreement on the following matters and signed This contract

1. Purpose of the loan ____________________ is in urgent need of capital turnover to engage in self-employment

2. Loan amount and repayment time. _________ borrowed RMB___________ from __________ _yuan (lowercase)___________whole (uppercase) must be paid off before _________month________ of _______ year. If the loan is overdue, the lender has the right to recover the loan within the time limit

3. Borrowing Term The loan period is _______ years starting from _______ month _______ day _______ year and ending on _______ month _______ day _______ year

4. The repayment method shall be in accordance with this The agreement stipulates that Party B will proactively repay Party A's debt and interest rate within the time specified in the agreement. Party B will repay all the amounts stipulated in this agreement on time. Calculate interest on the amount used and calculate compound interest. The contract stipulates that during the loan period, the monthly interest_______ The borrower will repay the loan on time and an interest rate of 0.5% will be charged for the overdue portion. Rights and Obligations The lender has the right to supervise the use of the loan and understand the borrower's repayment ability and other conditions. The party should actually provide relevant information. The borrower will use the loan in accordance with the provisions of the contract. The lender has the right to recover part of the loan and charge penalty interest on the defaulted part in accordance with bank regulations (the lender should reduce interest for early repayment according to regulations)

6. Guarantee clauses 1. The borrower voluntarily uses ____________________________ as collateral and can return the loan to the lender during the period. The lender has the right to handle the collateral and the borrower returns the loan in periods. The mortgage right is extinguished. 2. The borrower must use the loan according to the purpose specified in the loan contract. The loan may be misappropriated or used to carry out illegal activities. 3. The borrower must repay the principal and interest within the time limit stipulated in the contract. 4. When a guarantor is required to guarantee, the guarantor shall perform joint and several liabilities and have the right to recover from the borrower. The borrower shall be obliged to repay the guarantor

< p> 7. Enforcement Terms and Repayment Time 1. Party A and Party B agree to confirm that: In accordance with the relevant legal provisions, the enforcement effect has been given. After careful consideration, both parties agree to sign this agreement and give this agreement enforcement effect. 2. The loan period is _______year___month___, and the statute of limitations will start from _______year___month___. If Party B repays it in advance, Party A has the right to file a lawsuit with the People's Court in accordance with this contract. Party B applying for compulsory execution shall pay all unpaid amounts to Party A. Party B is willing to accept compulsory execution by the people's court

8. Contract dispute resolution methods Any disputes arising during the performance of this contract shall be settled through friendly negotiation between the parties or by a third party. After mediation or mediation, any party may file a lawsuit in the People's Court in accordance with the law. 10. This contract shall take effect from the date of signature by both parties. Each party holds _____ copies of this contract, and each copy shall have the same legal effect

9. This contract does not stipulate that in accordance with the relevant provisions of the "Contract Law of the People's Republic of China" Party A:_______________ Party B:_______________

Joint and several guarantor:____________________

< p> Date of signing the contract: _____month_____day

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