How to make an IOU for remote borrowing, and how to make an IOU for borrowing money is formal

First of all, if you want to borrow money, you should use an IOU instead of an IOU, the two are not the same. The basic contents of the IOU include: the name of the creditor, the amount of the loan (in local and foreign currencies), the calculation of interest, the time of repayment, the penalty for default (delay in repayment), the method of dispute resolution, as well as the name of the debtor, the date of the loan, and other elements.

As long as the name of the creditor, the amount of the loan, the name of the debtor and the date of the loan are met, but the main conditions of the IOU are met, it has legal effect. Once a dispute arises, it can be used as evidence to claim the creditor's rights from the people's court, and the people's court will also accept it.

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It is recommended that customers choose formal channels to apply for loans, such as the Agricultural Bank of China's "NetJet Loan", which refers to a small-amount consumer loan issued by ABC to individual customers of ABC who meet certain conditions, and which can be applied for, received quickly, and used by themselves. Customers can apply through personal online banking and palm banking.

The application process is as follows:

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

The maximum loan amount is 300,000 yuan, and the minimum loan amount is 3,000 yuan; The specific quota of the customer will be approved according to the customer's business situation in ABC.

In the absence of other contracts, the IOU itself is a short-form contract, so it should be noted that the elements of the IOU are complete, including (but not limited to): the amount owed, the time of repayment, the borrower's signature, and the time when the IOU was filed.

The main thing to do is to play a regular IOU:

1. The borrower should handwrite the full text of the IOU and sign it, not print it;

2. The content of the IOU is accurately expressed and does not cause ambiguity;

3. It is required to write down the time of borrowing, the purpose of borrowing (the purpose should be legal and not used for illegal purposes such as gambling), interest agreement, and repayment period;

4. When the lender pays the money, try not to pay in cash, especially for large loans, which should be carried out by bank remittance, and the name of the other party's missing account is the same as that of the borrower; If the other party has poor credit or repayment ability, it can ask for a guarantee or guarantor.

The IOU should clearly state the full legal names of the borrower and the lender; The IOU should clearly state the amount borrowed, including the amount in both uppercase and lowercase; The IOU should clearly state the time period of the loan, including the start and end dates of the loan and the clear term of the loan; The IOU should clearly state the specific date, month and date of repayment.

The above is the relevant knowledge about the formal writing of IOUs, I hope it can help you.

Relevant legal knowledge.

5. If there are many matters that need to be agreed upon by both parties, the loan contract can be signed at the same time as the IOU is written to make a detailed agreement.

As long as the reason and amount of arrears are clearly written, the debtor's signature will have legal effect.

Article 668 of the Civil Code of the People's Republic of China stipulates that the loan contract shall be in written form, unless otherwise agreed upon in the loan between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term of the loan and repayment method.

The IOU is generally composed of three parts: title, text and payment, and in order to make the IOU issued have legal effect, the following principles should be followed when writing the IOU: 1. Title. The title of the IOU is generally composed of the name of the text, that is, the word "IOU" is written in a larger 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. 2. 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 handwritten signature of the person handling the payment must be signed, and the name of the individual who filed the debtor's name should be signed on the IOU issued by the individual. and the date of the IOU.

The unit should be stamped with the official seal, and the individual should be stamped with the private seal. 4. Indicate both parties and the date of establishment. In short, as long as the reason and amount of the arrears are clearly written, the debtor's signature will have legal effect.

Legal basis. Article 2 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases When a lender initiates a private lending lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, and IOUs, as well as other evidence that can prove the existence of the legal relationship of lending. Where the creditor's rights vouchers such as IOUs, receipts, and IOUs held by the parties do not indicate the creditor, and the parties holding the creditor's rights vouchers file a private lending lawsuit, the people's court shall accept it.

Where the defendant raises a factual defense against the plaintiff's creditor qualifications, and the people's court finds that the plaintiff does not have the creditor qualifications upon review, it rules to dismiss the lawsuit.

How to play the IOU of borrowing money:

The IOU should clearly state the full legal names of the borrower and the lender; The IOU should clearly state the amount borrowed, including the amount in both uppercase and lowercase; The IOU should clearly state the time limit of the loan, including the start and end date of the loan and the clear term of the loan; The IOU should clearly state the specific date, month and date of repayment.

First, how to make the IOU is the most correct.

The IOU shall be in written form, signed, stamped or fingerprinted, clearly stating the full legal names of the borrower and the lender, the amount of the loan, including the amount in uppercase and lowercase, the time limit of the loan, including the start and end date of the loan, the clear term of the loan, and the specific year, month and date of repayment. According to the relevant regulations, the content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

2. How to write an IOU to be valid before you can sue it.

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 loan period;

4. The specific date, month and date of repayment should be clearly written;

5. The interest of the loan should be clearly written, there should be a clear annual interest rate or monthly interest rate, and the total amount of loan interest to be paid (including the uppercase and lowercase amount) and other agreements;

6. The date, time 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 himself.

According to Article 667 of the Civil Code, a loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 668 of the Civil Code stipulates that the loan contract shall be in written form, unless otherwise agreed upon by natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.