Formal private IOUs are protected by law, how to give a sample

From a legal point of view, the effect of an IOU is higher than that of an IOU, so it is best to write an IOU when lending money to others, so how to write an IOU to better protect the interests of creditors?

The information on the IOU should be complete, reduce the possibility of modification, and clarify the lending relationship between the two parties. 2. If the loan is made by bank transfer, the transfer record should be kept completely, and it should be clearly stated in the IOU. 3. It is best to leave a fingerprint at the borrower's settlement place to increase the uniqueness of the borrower.

4. In the wording of the IOU, try to avoid the use of words such as "may", "probably", "estimated", etc., and use clear words. 5. Both sides must hold a copy of the IOU to avoid one party losing or modifying it at will.

It is better to write the IOU by handwriting of the borrower, but pay attention to the writing specifications. Printouts of IOUs are equally legally valid, but they are easy to forge. The borrower's signature should be fingerprinted at the same time.

The borrower's information must be clearly written with the ID number, and the borrower should be asked to provide the original for verification when writing the IOU.

The date of the loan - must be written clearly, preferably accurate to the date, the repayment date can be agreed in the IOU, if the repayment date is not agreed, the borrower can claim the return at any time, and if the repayment date is agreed, the repayment date can only be claimed when the repayment date expires. If the repayment date expires and the repayment is not returned, the lender shall sue within three years, and may lose the right to win the lawsuit after the deadline.

The amount of the loan should be capitalized in Arabic numerals and Chinese at the same time, and the currency should be clearly written, such as "RMB Yuan Whole (RMB Ten Thousand Yuan) to prevent the holder of the IOU from tampering.

The payment should be made by bank transfer as much as possible, and the date of receipt and transfer of the money by the other party can be specified in the IOU. For transfers, you can note the purpose of the loan. If the amount is small, the cash delivery should indicate in the IOU that the loan between the parties was paid in cash.

In either case, a separate receipt of the money has been received is required from the borrower. The IOU can only prove that there is a contractual relationship between the two parties, and it is not enough to prove that the borrower has fulfilled the obligation to deliver the money.

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How to make an IOU to be protected by law? Keep these points in mind, and don't ignore them.

You write down the reason why xx owes xx yuan (uppercase) xx yuan. When will it be. Whether there is interest, there is interest to indicate how much interest is paid, the debtor's signature, the debtor's ** ID card address, year, month and date, the guarantor should write the xx guarantee, from when the guarantee to when, the guarantor's signature ** ID card address.

In this way, it will also have legal efficiency.

Legal analysis: As long as it is the true intention of the parties, the IOUs are protected by law. The following requirements are required:

1. It must be able to prove the fact of debt.

2. It must be an expression of true meaning.

3. The acquisition of the IOU must be legal. Finally, whether the IOU is valid or not must be recognized by the court and accepted by the court.

Legal basis: Article 490 of the Civil Code of the People's Republic of China If the parties conclude a contract in the form of a written contract, the contract shall be established when both parties sign and seal or polish their fingerprints according to random patting. The contract is formed when one of the parties has fulfilled its primary obligations before it is signed, sealed or fingerprinted, and the other party accepts it.

As long as it is the true intention of the parties, such as IOUs, they are protected by law. The following requirements are required:

1. It must be able to prove the fact of debt.

2. It must be an expression of true meaning.

3. The acquisition of the IOU must be legal. Finally, whether the IOU is valid or not must be recognized by the court and accepted by the court.

Article 490 of the Civil Code provides that if the parties conclude a contract in the form of a written contract, the contract shall be established when both parties sign, affix their seals or press their fingerprints. The contract is formed when one of the parties has fulfilled its primary obligations and the other party has accepted it before signing, stamping or fingerprinting.

When the owner and the decoration company are unable to settle the decoration payment to the builder in time, they shall give the builder an IOU to protect the legitimate rights of the builder. A valid and complete IOU should contain the following contents: the reason for the arrears, the amount of the arrears, the time of payment, the debtor, the date on which the IOU was written, if the debtor is an individual, he or she needs to sign the IOU, write his ID card and press his fingerprint, and if the debtor is a company, the official seal of the company is required.

Answer hello, write the names of both parties, and the cost of breaking up. Not responsible. The relationship between the lover has been 25 years, and the man gave the woman 30,000 yuan, and I want to write a legally effective clause to answer Can you tell me more about it.

The question is to indicate that the man gave the woman 30,000 yuan, and he did not ask for a return, so that he could gather and disperse, and there was a format with legal benefits.

The content is that the two parties have severed contact with each other from today, and the man has given the woman 30,000 yuan in compensation. Since then, there has been no marriage between men and women.

There must also be the provincial certificate numbers of both parties. Fingerprints are pressed on the signature.

Question: Both parties have families?

Or you write it in front of a lawyer, it's better. Kiss.

An IOU is generally composed of three parts: the title, the text, and the payment.

a) Title. The title of the IOU is generally composed of the name of the text, that is, the word "IOU" is written in a large font in the upper middle of the text. There are also the words "Temporarily Owed" or "Owed" written in this position as the title, but the body of the title is written in the top box of the next line.

b) Text. The body of the IOU should clearly state who or what unit is owed, what quantity, and indicate the date of repayment.

3) Payment. The name of the debtor's unit and the signature of the person handling the payment must be signed, and the name of the debtor must be signed on the IOU issued by an individual. and the date of the IOU. The official seal should be affixed to the unit, and the private seal should be affixed to the individual.