I want to borrow money, what do I ask? Do you want to write an IOU when you lend money to someone

If you have an urgent need for money, it is recommended that you must choose a reliable big brand formal channel, money to spend is a credit service brand under Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, with the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security. The application conditions for having money to spend are mainly divided into two parts: age requirements and information requirements.

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

Note: Only debit cards are supported, and the application card is also your debit 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.

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If you want to borrow money, you have to write an IOU.

If you need to apply for a small cash loan, China Merchants Bank has a flash loan business, which can be applied for through mobile banking or check whether you are eligible to apply.

1. After the flash loan is disbursed, cash will be issued in the designated account, and the funds can only be used for normal bulk consumption and transfer, and cannot be invested, flowed into **, real estate and other directions.

2. If you have a CMB savings card, you can log in to the mobile banking and click "My All Borrow Money Flash Loan" to apply for a flash loan. Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.

3. The provisions on the amount of flash loans are different for different types, and the maximum credit line is not more than 300,000 yuan, which is subject to the display on the loan page. If you have been eligible for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank mobile banking app or online banking to check your maximum application amount, with a minimum withdrawal amount of RMB 1,000 and a maximum of the quota amount, and an integer multiple of 1,000.

4. There are two types of loans that can be applied for within the flash loan limit:

1) 15 minutes loan disbursement will be automatically approved within 5-10 minutes, and the loan will be disbursed immediately after approval, and the result will be notified by SMS.

2) Loan disbursement on T+1 day, there will be a call from the electric core ** to verify within T+1 day, and arrange the loan after confirming the information. If you do not answer the contact 3 times, the application will fail and you will need to apply again.

When the amount of flash loan is established, there will be a check record on the credit report. If you only successfully establish a quota but do not withdraw money: there will be no quota record in the credit report; For each subsequent withdrawal, there will be a loan record in the credit report.

1.If the person lends money to someone else, he or she needs to sign an IOU in accordance with the relevant regulations. 2.

Usually the IOU is kept by the lender, and when the borrower has repaid the loan in full, the IOU can be torn up on the spot, or the IOU can be handed over to the borrower for disposal. The borrower must recover the IOU to avoid unnecessary disputes.

Lend money to someone and write an IOU.

The IOU shall clearly state the full legal names of the borrower and the lender, the amount of the loan, the time limit of the loan, and the specific date, month and date of repayment; Write down the interest of the loan, the date, time and payment method of repayment of the principal and interest of the loan. There should also be a signature with the borrower's personal signature, handprint or handwriting.

If your brother borrows 300,000 yuan, do you want to write an IOU.

The brother borrowed 300,000 yuan to make an IOU. No matter who borrows money, it is best to issue an IOU, so as to avoid disputes in the future and fail to prove the loan relationship. In addition, the IOU should specify the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Do you want to write the lender's name on the IOU.

If the borrower's name is not written, it will not be clear who the creditor is, and the lawsuit may be rejected in the event of a dispute in the future. Moreover, if the name of the borrower is not written, if the creditor cannot prove that he has lent the loan to the other party, he will ask for the loan back without a line of words.

How to write a personal loan IOU.

Template: Borrower's ID Number Lender's ID Number Borrowing RMB (uppercase) from the lender for (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:

How to write an IOU in the correct format.

The correct format of the IOU can be written with reference to the following format: borrower ID number Lender ID number for borrowing RMB (capitalized) yuan 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 can't return it on time, you are willing to pay liquidated damages of xx yuan a day, and you are willing to bear all legal responsibilities incurred.

Borrower: Date:

An IOU needs to be written. IOUs are powerful evidence to prove the lending relationship, and the legal relationship of private lending should exist in writing, which is not only conducive to proving the content of the civil legal relationship between the two parties, but also conducive to the resolution of disputes that may arise and avoid unnecessary disputes. With an IOU, when the defaulting party fails to repay the loan in time, it can go to the court to file a lawsuit to settle the settlement.

1. What are the contents of the IOU?

1. IOUs can be handwritten, 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.

2. The date of the loan - must be written to imitate the luck clearly, accurate to the date, you can agree on the repayment date in the borrowing slip, 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 requested 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.

3. The loan amount should be capitalized in numbers and Chinese at the same time, and the currency should be clearly written to prevent the holder of the IOU from tampering with the preparation beam.

4. The delivery of the money should be made by bank transfer as much as possible, and the date of receipt and transfer of 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.

Either way, the borrower is required to write a separate receipt for the money received. 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.

5. If the borrower is married, it is best to obtain the signature of the spouse, which is more secure for the creditor, so as to avoid one party refusing to bear the repayment obligation on the grounds of ignorance or enforcing it in the court, and one party transferring the property to the spouse resulting in inability to repay.

6. After the IOU is issued, a copy of the ID card and a copy of the marriage certificate signed by the borrower shall be collected at the same time.

7. If the amount is large, you can ask a lawyer or a third party to witness and sign.

2. What should I do if the IOU exceeds the statute of limitations?

1. Negotiate and settle. The two parties reach a repayment agreement based on the IOU, and according to the law, the repayment agreement reached by the parties on the original debt after the statute of limitations period is a new creditor's right and debt relationship, and the repayment agreement shall be protected by law.

2. If the parties are unable to negotiate, one of the creditors may consider issuing a notice to the other party to collect the payment of the due amount. According to the relevant laws and regulations, if a credit union issues a notice of demand for a loan to the borrower after the statute of limitations, and the debtor signs or seals the notice, it shall be regarded as a reconfirmation of the original debt, and the creditor-debtor relationship shall be protected by law.

3. If the lender has claimed rights against the borrower within 3 years, and there is evidence to prove it, it will cause the interruption of the statute of limitations, and the statute of limitations will be recalculated from the date of interruption.

Legal analysis: If there is an IOU to ask for money through a lawsuit, write a cracked lead to sue for a bright blist, bring an ID card, and relevant evidence, go to the case filing division of the basic court where the defendant's household registration is located to request the filing of the case and pay the litigation fee, and if the conditions for filing a lawsuit are met, the court will file the case within seven days and notify the parties.

Legal basis: Article 119 of the Civil Procedure Law of the People's Republic of China Article 119 A lawsuit must meet the following conditions:

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case.

2) There is a clear defendant.

3) There are specific litigation claims, facts, and reasons.

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

Legal analysis: When borrowing, an IOU should be printed, which is an important written evidence of the creditor's rights and debts. At the same time, the content of the IOU is also very important, the content is legal and legally beneficial to oneself, on the one hand, it can prompt the debtor to take the initiative to repay; On the other hand, even if the debtor does not repay the loan on time, because the IOU is beneficial to him, the creditor can collect it in a more economical and simple way, which can achieve twice the result with half the effort.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest. Bump.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between the borrowers.

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

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

I must write it.,It's a very embarrassing thing to borrow Q.,Especially when you lend Q to a classmate or friend and don't pay it back.,But now there are too many people who don't owe Q.,If it's not a last resort.,I don't think I'll lend my brother Q to people.,If you want to borrow, it's best to have an IOU.,It's recommended to borrow Q before ** on the IOU to sign a loan contract.,They are quite standardized.,Borrowing Q will be reminded when it's due.,If you don't pay it back.,Legal proceedings and other services are also provided.。 If they deliberately fail to repay it when it expires, they may collect evidence to prosecute. For example, chat records, transfer records, etc.

The prosecution also needs to have the information of the other party before the court can accept and file the case. If you don't repay the borrowed money to apply for a lawsuit, the IOU says that you can help.

Of course, you have to write an IOU, and your brother must be wrong to settle accounts, haven't you seen it if you haven't experienced it, how many people borrow money and don't return it at a loss. Teach you a trick you can learn from me, I'm embarrassed to mention the IOU in person, so I simply told him on the Internet, and signed a loan contract with him on the small program IOU said that it was leaked, and there was a reminder to pay back the money in the future, in case it really ran away and didn't pay it back, they also provided legal aid.

Legal analysis: First, directly claim rights against the debtor based on the IOU and demand repayment; second, find an intermediary to mediate and strive for repayment; Third, go to court to file a lawsuit and ask the other party to bear the obligation to repay. If you have an IOU, you can ask for money through a lawsuit, write a complaint, bring your ID card, and relevant evidence; If the case filing division of the basic level court where the defendant's household registration is located requests that the case be filed and the litigation fee is paid, and the conditions for filing a lawsuit are met, the court will file the case within seven days and notify the parties.

Legal basis: Article 119 of the Civil Procedure Law of the People's Republic of China Article 119 A lawsuit must meet the following conditions:

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case.

2) There is a clear defendant.

3) There are specific litigation claims, facts, and reasons.

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

If the case filing division of the basic level court where the defendant's household registration is located requests that the case be filed and the litigation fee is paid, and the conditions for filing a lawsuit are met, the court will file the case within seven days and notify the parties.

Legal basis: Article 119 of the Civil Procedure Law of the People's Republic of China The following conditions must be met for cracking lead prosecution

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case.

2) There is a clear defendant.

Sanliangbu) has specific litigation claims, facts and reasons;

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

If someone asks me to borrow money, in addition to writing an IOU. What other procedures do you need? to be protected by law? Urgent.

As long as the private loan does not exceed the statutory interest, it is protected by law. 1. The IOU must be signed and dated by the borrower himself, and people who are not very familiar with Cong Yan want a copy of his ID card + leave a mobile phone and landline number. 2. The IOU indicates the time of borrowing the annual payment, the amount of the loan, the interest rate (whether it is an annual interest rate or a monthly interest rate), the repayment time, the repayment method, whether there is a Zheng Sou guarantee, etc.

3. If you are still worried, you can find 2 witnesses, and it is best to sign the IOU as well. Better yet, he finds a guarantor, and the guarantor has to sign the IOU. 4. Remember to keep the IOU, you can take a photo if you are afraid of losing it, and you can also take a photo at the site of the loan delivery.

If the cash is given to him, there is no need for other witnesses, and the bank transaction records are more reliable.