How to write an IOU to be legally valid

The content of the IOU needs to clearly state the borrower, the time of borrowing, the amount of borrowing, the payment delivery, and the guarantee. The borrower needs to write down his name and ID number clearly, and the date of the loan should be accurate to the date, and the repayment date can be agreed in the IOU, and if the repayment date is not agreed, the borrower can claim the return at any time. In addition, the amount of the loan should be written clearly in both upper and lower case at the same time, and the currency should be clearly written, and the delivery of the money should be made by bank transfer as far as possible, and the date of receipt and transfer of the other party should be specified in the IOU.

The title of the IOU is the word "IOU" and is written in large font at the top and middle of the body text. Some people will write "Temporarily owed" or "Today owed" in this position as the title, but the title should be written at the top of the line. The body of the IOU is the most important part.

The text outlines the rights and obligations of both parties in hundreds of words. Therefore, in the main body of the text, write who owes whom, how much, and the date of repayment. If the receipt is issued by an individual, the name of the person who owes it should be affixed to the deposit.

At the same time, the date of the IOU will be signed. Individual IOUs should be stamped, and unit IOUs should be stamped.

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When writing an IOU, pay attention to many details, such as words, numbers, deadlines, etc. Particular attention should be paid to the following:

1.This IOU shall be signed by both parties in duplicate to prevent disputes caused by alteration by the other party. Agree to the above.

If only the other party owns the copy, but not the copy, if the other party adds something to the copy, for example, if it initially says to borrow $20,000 and the other party adds another $10,000 in the blank space, you may be sentenced to $30,000 by the court.

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2.Make the currency clear. Otherwise, it is clear that the dollar has already been lent to that person, but it is not clearly stated on the note. If the defendant goes to court and the other person says it is RMB, the court will usually make a judgment based on RMB.

3. Note that in addition to the case amount, zero is added to the case, and the time is best capitalized. Otherwise, the IOU stipulates that the money will be repaid in 2000. As a result, the IOU given to the court by the other party may become a repayment in 2006. Then you may have to wait another 6 years.

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4.Avoid changing the IOU, otherwise it will greatly reduce the legal effect. Where it is truly necessary to amend, the names of the parties shall also be amended at the place where they are signed or where a third party is requested to notarize them.

5.IOUs are statute of limitations. According to the General Provisions of the Civil Code, it is best to file a lawsuit within 3 years, i.e. 3 years after the deadline specified in the IOU. If the promissory note does not have a fixed term, it is 3 years from the term of the loan. During this period, the borrower should actively urge the defaulting party to pay.

The IOUs established in accordance with the law have legal effect, and the IOUs generally need to indicate the following: 1. The full legal names of the debtor and the creditor; 2. The specific time and reason for the arrears; 3. The amount owed, including uppercase and lowercase amounts; 4. The specific time and payment method of repayment; 5. Liability for breach of contract for overdue repayment; 6. Finally, the arrears shall be signed, sealed or fingerprinted. ”

The content of the IOU is legal and the format is standardized, and the signature or seal has legal effect. The IOU should follow the three elements of civil legal relationship and not violate the provisions of the law, and the following matters should be paid attention to when issuing the IOU: the subject should clearly express the creditor's rights and debts, that is, who is the creditor and who is the debtor; The unit of the object amount should be clear, the amount should be written in traditional Chinese, and the ratio should be clear percentage, 100000, and 10,000; The content is clearly expressed, and attention is paid to avoiding ambiguity; Two copies of the slip should be preferred, one for each party.

1. The IOU should be signed with a fingerprint.

2. The time when the arrears are sent - must be written clearly.

3. The amount owed should be capitalized in both Arabic and Chinese, and the currency should be clearly written.

4. If the debtor is married, it is better to obtain the signature of the spouse, which is more secure for the creditor.

Summary. Both IOUs and IOUs are a type of debt certificate, but there is a big difference between the two. An IOU is a written loan voucher issued by the borrower to the lender, which proves that the two parties have established a loan contract relationship.

Hello dear! I am the full-time lawyer of the law firm, Zhou Heqin Zaowen, and I am very happy to provide you with legal services I hope mine will be helpful to you.

You should write an IOU. The most basic requirements are to have a clear amount, the name of the lender, the borrower's signature, and if it is a unit, it is stamped, and the date of the loan is clearly written. This is the basic effective condition of punching.

In addition, you can also add the repayment period, interest standard, purpose of borrowing, guarantee method and other contents according to the situation. Only when these contents are satisfied can the IOU have legal effect.

Both IOUs and IOUs are a kind of proof of creditor's rights and debts, but there is a big difference between the two. The IOU is not a written voucher issued by the borrower to the lender, which proves that the two parties have established a loan contract relationship.

I hope mine is helpful to you, dear. If you have any questions, please feel free to ask, if you are satisfied with this service, can you give a attention and like?

1. The full legal names of the borrower and the lender should be clearly written;

2. The loan amount should be clearly written, and it should be capitalized in Arabic numerals and Chinese at the same time, such as "RMB 100,000 (10,000 yuan)", to prevent the holder of the IOU from tampering;

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 of repayment should be clearly written, but it is not necessary;

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 (including uppercase and lowercase amounts) that should be paid in the end;

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;

8. If the amount is large, you can ask a third party to witness and sign. Wangpin.

IOUs. I (the person who borrowed the big money from the early potato) borrowed (the lender) RMB (uppercase) yuan, lowercase yuan.

The term of the loan is from XX-XX-XX to XX-XX-DD, and the interest rate is monthly, and all principal and interest will be repaid in a lump sum on XX-XX-DD.

Liability for default: If the borrower fails to repay the loan within the time limit, he or she shall pay a default fee equal to 10% of the total amount of the loan; If it is necessary to sue the court to settle the matter, the borrower shall bear all additional costs including attorney fees.

Borrower (Signature) ID Number:

Guarantor (Signature) ID Number:

Date: YYYYYYYYYYYYYYYYYYYYY

[The law is based on the land].Article 469 of the Civil Code: The parties may conclude a contract in written, oral or other forms.

The written form is a form in which the contents of the contract, letter, telegram, telex, fax, etc. can be tangibly expressed.

Data messages that can be tangibly represented in electronic data interchange, e-mail, etc., and that can be accessed at any time shall be deemed to be in writing.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

Summary. Hello, for an IOU to be legally valid, it needs to have the following conditions:1

The full legal names of the borrower and the lender should be clearly stated in the IOU; 2.The amount of the loan should be clearly written in the IOU, and it should be capitalized in Arabic numerals and Chinese at the same time, such as "RMB 100,000 (10,000 yuan)", to prevent the holder of the IOU from tampering; 3.The IOU should clearly state the time limit of the loan, including the start and end dates of the loan and the clear term of the loan, preferably accurate to the date; 4.

The specific date of repayment should be clearly stated, but it is not required; 5.The interest on the loan should be clearly written, there should be a clear annual interest rate or monthly interest rate, and the total amount of interest on the loan that should be paid (including uppercase and lowercase amounts) and other agreements; 6.The date, time and method of repayment of the principal and interest of the loan should be clearly stated; 7.

There should be a personal signature, handprint or handwritten signature of the borrower; 8.If the amount is large, you can ask a third party to witness and sign.

Do you have**.

Hello, for an IOU to be legally valid, it needs to have the following conditions:1The full legal names of the borrower and the lender should be clearly stated in the IOU; 2.

The amount of the loan should be clearly written in the IOU, and it should be capitalized in Arabic numerals and Chinese at the same time, such as "RMB 100,000 (10,000 yuan)", to prevent the holder of the IOU from tampering; 3.The IOU should clearly state the time limit of the loan, including the start and end dates of the loan and the clear term of the loan, preferably accurate to the date; 4.The specific date of repayment should be clearly stated, but it is not required; 5.

The interest on the loan should be clearly written, the annual interest rate or monthly interest rate should be clearly stated, and the total amount of interest on the loan (including uppercase and lowercase amounts) that should be paid in the final state; 6.The date, time and method of repayment of the principal and interest of the loan should be clearly stated; 7.There should be a signature, handprint or handwritten signature of the person who lacks the loan capital; 8.

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

Expansion: one. The RMB borrowed today is round, and it will be repaid before the date of xx, xx, and the liquidated damages will be paid at 1% of the total amount of the coarse bush every year after the deadline.

Borrower: ID number YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYY

1. Party B borrows RMB from Party A. 2. The term of the loan shall be one year, from xx-xx-xx to xx-xx-xx. 3. Upon the expiration of the loan term, Party B guarantees to return the loan, otherwise it is willing to bear all legal responsibilities.

4. Party A shall deliver the loan to Party B within two days after the signing of this agreement. 5. If Party A fails to deliver the money to Party B on time or Party B fails to repay the loan on time, the defaulting party shall pay liquidated damages to the non-breaching party. 6. This Agreement shall come into force in duplicate on the date of signature and official seal of both parties (the official seal of the unit), and one copy shall be held by both parties A and B.

Party A: Party B: Year of signing

Just follow the format above.

Summary. Hello dear! Now for you to answer <>

IOU writing in order to be legally valid: 1The parties entered into the agreement with a genuine expression of intent, i.e., without fraud, coercion, and voluntarily.

2.The content of the fact that there is a debt: such as the information of the buyer and the seller, the name, quantity, quality, specification or model of the item, the unit price, the time of payment, and the total amount of payment.

3.Repayment time, repayment method.

How to write an IOU to be legally valid

Hello dear! Now for you to answer <>

IOU writing in order to be legally valid: 1The parties entered into the contract under a genuine expression of intent, that is, there was no fraud, coercion, and it was signed voluntarily.

2.The content of the fact of debt: such as the information of the buyer and the seller, the name, quantity, quality, specification or model of the item, the unit price, the time of payment, and the total amount of payment.

3.Repayment time, repayment method.

Relevant legal basis: Article 119 of the Civil Procedure Law of the People's Republic of China must meet the following conditions: (1) the plaintiff is a citizen, legal person or other organization with a direct interest in the case; (2) There is a clear defendant; (3) There are specific litigation claims and facts, and there are reasons for the reason; (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 Provisions on Evidence for IOU Prosecution: 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 files a 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 between the lenders.