How to write an IOU for an individual to borrow money from an individual

Hello, there are many platforms on the Internet that can borrow money, and it is recommended that you pay attention to two major elements when choosing, one is to choose a trustworthy big brand; Second, it is necessary to pay attention to the clear and transparent service details of the loan product, such as the amount that can be borrowed, the interest rate of the loan, the repayment time, the repayment method, etc. Only by choosing a reliable loan product can you meet your urgent need for money while ensuring that your personal interests are not infringed.

Loans with money to spend are safe, reliable, and trustworthy. "Rich Money" is a credit service brand under Du Xiaoman Financial (formerly known as: Rich Flower, renamed as "Rich Flower" in June 2018), and the maximum amount can be borrowed by clicking on the measurement.

Big brands are reliable, low interest rates, and trustworthy. It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security. Youqianhua provides personal and small and micro enterprise credit services for the public, creates an innovative credit model, inherits the technical genes, and uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services.

Share with you the application requirements for consumer products: The application conditions for Money-Spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, please borrow reasonably according to your needs, and the specific product-related information is subject to the actual page of Youqianhua's official app. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

If you need to borrow money, where can you borrow it? In fact, there are some ways to solve the problem. The first is to borrow money from relatives and friends; The second is through a bank loan, but the application process is more complicated and the application time is longer.

The third is to apply for a credit loan through the Internet credit platform, with the advantage of which is that individuals can apply online, and it is more convenient to apply for the account.

Here is a reminder that it is best to choose a reliable big brand on the market for credit borrowing, such as Alipay's borrowing and Du Xiaoman Finance's Youqian Hua. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises, and Du Xiaoman Finance is the primary choice for most small and micro business owners when their capital turnover. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Be careful about personal borrowing. Be mindful when borrowing money. Regardless of friends and family, make an IOU.

If someone else doesn't want to pay back, this is favorable evidence. If you don't want to write by hand, it's awkward to sign in person. At this time, there is a template in the "IOU Say".

Contract norms have legal effect. It if the money is repaid. Just go through the legal process.

Legal Analysis: Borrower ID Number Lender ID Number Borrowing RMB (capitalized) from the lender on the date of (business turnover) (payment method: cash bank transfer).

Lowercase dollars, interest total. The term is month, and the principal and interest will be repaid on the date of xx-xx-xx. If you fail to return it on time, you are willing to bear all legal responsibilities incurred.

Borrower: Date:

Legal basis: Article 470 of the Civil Code of the People's Republic of China The content of the contract shall be agreed upon by the parties and generally include the following clauses: (1) the names and addresses of the parties; (2) the subject matter; (3) Quantity; (4) Quality;

5) Price or remuneration; (6) The time limit, place and method of performance; (7) Liability for breach of contract; (8) Methods of dispute resolution. The parties may conclude a contract with reference to the model texts of various types of contracts.

Now the borrower needs to borrow RMB (lowercase yuan) from the lender due to business and the purpose of the loan.

The type of loan is cash, the loan date is YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYY The interest rate on the loan is: annual interest rate), and this is hereby used as evidence.

Borrower: Signed and fingerprinted).

Lender: Signed and fingerprinted).

Witnesses: Autographed and handprinted).

YYYYYYYYYYYYYYYYY

IOUs. Borrower's ID number

Lender's ID number

Borrowing RMB (capitalized) from the lender on the date of the year (for the purpose of using money, such as: personal house purchase or business turnover) (the payment method is: cash bank transfer).

Lowercase dollars, the interest period is on the month and the day of the principal and interest will be repaid on the date of the year. If you can't return it on time, you are willing to pay 100 yuan a day for liquidated damages, and you are willing to bear all legal responsibilities incurred.

Borrower: Date:

Attention should be paid to the following:

1.The full legal names of the borrower and the lender should be clearly stated, preferably with an ID number;

2.The amount borrowed should be clearly written, including the amount in uppercase and lowercase;

3.The time limit 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 interest on the loan should be clearly stated, the annual interest rate or monthly interest rate should be clearly stated, the total amount of interest on the loan that should be paid (including the uppercase and lowercase amount), and the payment method.

5.The date, time and method of repayment of the principal and interest of the loan should be clearly stated;

6.There should be a personal signature, handprint or handwritten signature of the borrower.

7.If the amount is large, the purpose of the loan should also be indicated, or the payment record should be submitted.

Title Start by writing the words "IOU" or "Loan Contract" in the middle of a piece of paper. Write the name and ID number of the borrower and lender. Borrower:

Identification Number: Lender: Identification Number:

You can write concisely and clearly about the purpose of the loan. Write down the uppercase and lowercase of the borrowed amount, as well as the currency. Special Attention:

Verify that the capitalization is consistent, and if the uppercase amount is inconsistent, the uppercase amount will prevail in judicial practice. Specify the start and end dates of the loan and the way to resolve the overdue repayment. If interest is requested, be sure to state it.

The law stipulates that if there is no clear agreement on the payment of interest, the claim for interest at the time of return will not be supported. After the loan is written, the word "this evidence" should be written at the end of the article or on another line.

Sign and date the borrower, lender in the lower right corner. If there is a guarantor, the guarantor is also required to sign and seal. Leave a copy of your ID card and fingerprint It is best to copy the front and back of the borrower's ID card on A4 paper at the bottom right of the paper, and then write the IOU at the top end.

1. Pay attention to the form, there should be no spaces between the lines, otherwise it is easy to be added by the holder. Do not write with a faded pen, use black ink for fountain pens or blue-black ink for letters. If you write with a ballpoint pen or other ink that is easy to fade, your handwriting will be blurred if you are not properly stored and exposed to moisture or water.

2. When repaying, the repayer should pay attention to recovering the IOU, or jointly destroy the IOU. If the lender claims that the IOU is lost or damaged, the repayer shall request a large return receipt from the lender, and the repayer shall keep the receipt in a safe place.

Summary. Dear, hello, legal analysis: There are the following seven requirements for the writing of personal loan IOUs:

1. The full legal names of the borrower and the lender should be clearly written; 2. The amount of the loan should be clearly written, including the uppercase and lowercase amount; 3. The time limit of the loan should be clearly written, including the start and end date of the loan and the clear term of the loan; 4. The specific date of repayment should be clearly written; 5. The interest of the loan should be clearly written, and there should be a clear annual interest rate or monthly interest rate, and the total amount of interest on the loan (including the uppercase and lowercase amount) that should be paid in the end; 6. The year, month, date and payment method of repayment of the principal and interest of the loan should be clearly written; 7. There should be a signature, handprint or handwritten signature of the borrower.

Dear, hello, legal analysis: There are the following seven requirements for the writing of personal loan IOUs: 1. The legal full names of the borrower and the lender should be clearly written; 2. The amount of the loan should be clearly written, including the uppercase and lowercase amount; 3. The time limit of the loan should be clearly written, including the start and end date of the loan and the clear term of the loan; 4. The specific date of repayment should be clearly written; 5. The interest of the loan should be clearly written, and there should be a clear annual interest rate or monthly interest rate, and the total amount of interest on the loan (including the uppercase and lowercase amount) that should be paid in the end; 6. The date, date and payment method of repayment of the principal and interest of the loan should be clearly written; 7. The section should be signed by the borrower himself, handprint or handwritten signature.

Legal analysis: When writing an IOU, pay attention to the following 4 issues: 1. It is best to attach the ID number of the borrower and the borrower in the IOU, so as to avoid unnecessary disputes.

2. When the borrower signs, the lender must see the signature with his own eyes to prevent the borrower from using other signatures and finally refusing to recognize the IOU. 3. The writer of the IOU must be the borrower, not the lender, otherwise the borrower will defend that the content is not the original text. 4. Try to avoid using language that is prone to disagreement, and concise and semantically single IOUs are the most standard IOUs.

Avoid vague language such as "A borrows money from B", because it is easy to lose sight of who is the lender and whose borrower.

At the same time, please use good quality paper to protect the fierce auspicious storage for a long time, and try to use a black pen to write if possible. Finally, if there are witnesses, ask them to sign the IOU to add credibility.

Regarding how to write a simple standard format for personal IOUs, the following requirements must be met:

1. The title must be written with the word "IOU", and must not be deliberately miswritten as "IOU" by others, pay special attention: although the money is in someone else's, the result is completely different in law;

Second, it must be written "I borrowed *** cash *** yuan today, and indicate that it is capitalized." Special attention: verify that the capitalization is consistent, if the capitalization amount is inconsistent, the uppercase amount will prevail in judicial practice;

3. Be sure to write the name of the lender and the ID number correctly, and at the same time be sure to write the name and ID number of the borrower, so as to avoid problems such as checking whether the borrower's identity is the same in case of disputes;

4. If it is not certain when the borrower is required to return the loan, it is recommended that the lender do not write the date of repayment, so that the statute of limitations can be guaranteed for 20 years, and the statute of limitations will not be exceeded and cannot be recovered due to a moment of forgetting. Anyone who knows the law knows that there is not much difference between writing a return date and not writing a return date.

5. If interest is requested, it must be clearly stated that the law stipulates that if the interest is not expressly agreed, the interest claim at the time of return will not be supported;

6. The IOU is best to copy the front and back of the borrower's ID card on the A4 paper at the bottom right of the paper, and then write the IOU at the upper end.

7. Because he is borrowing money from you, the initiative is in your hands, so it is not a problem to complete the procedures before borrowing money.