How to write an IOU 5, how to write an IOU

An IOU is a written document indicating the creditor-debtor relationship, which is generally written and signed by the debtor, indicating that the debtor has owed the debt to the creditor for the amount indicated in the IOU.

Summary. Hello dear! IOU: I borrowed 50,000 yuan (RMB:) from Xiao Zhang for buying a house

Wu Wanyuan) Xiao Zhang delivered the loan to me through bank transfer, with a monthly interest rate of 1% and promised to repay the principal and interest before xx year x month x, and if it is not repaid within the time limit, the overdue interest will be calculated according to the monthly interest rate of 2%. In case of default, the breaching party shall bear all expenses (including but not limited to attorney fees, litigation fees, travel expenses, appraisal fees, etc.) paid by the non-breaching party to realize the creditor's rights. The address of the ID card shall be used as the address for the service of demand letters and court litigation documents, and if the relevant documents and legal documents cannot be actually signed for due to the change of address, the relevant documents and legal documents shall be deemed to be the date of service on the date of return of the mail.

How to write an IOU.

Hello dear! IOU: I borrowed RMB 50,000 (RMB: Wu 10,000 yuan) from Xiao Zhang for buying a house, Xiao Zhang delivered the loan to me through bank transfer, with a monthly interest rate of 1% and promised to repay the principal and interest before xx year x month x, and if it is not returned within the time limit, the overdue interest will be calculated according to the monthly interest rate of 2%.

In case of default, the breaching party shall bear all expenses (including but not limited to attorney fees, litigation fees, travel expenses, appraisal fees, etc.) paid by the non-breaching party to realize the creditor's rights. The address of the ID card shall be used as the address for the service of demand letters and court litigation documents, and if the relevant documents and legal documents cannot be actually signed for due to the change of address, the relevant documents and legal documents shall be deemed to be the date of service on the date of return of the mail.

Name: IOU IOU is one of the loan certificates issued by the debtor to the lender in the lending relationship indicating that the debtor has the corresponding loan and interest to be repaid when due. The lender, that is, the creditor, sues the court with the IOU as evidence, and if it is a large amount of money, it is also necessary to provide a transfer record or receipt to prove that the lender has delivered the loan to the borrower.

Draw attention to:1It's better not to write it as an "IOU"!

IOUs are also a commonly used voucher in private lending. 2.It should never be written as a "receipt".

A receipt refers to a certificate issued by the creditor to the debtor to prove the fact of repayment when the creditor receives the money

An IOU is a kind of application written by an individual to an individual, an individual to a unit, and a unit to an individual when borrowing cash and goods. When there is a loan relationship, it is necessary to establish a written basis, so that it will also reduce some unexpected troubles for yourself in the future.

1. The IOU should be neat and tidy, and the pen and ink when writing the IOU should be written with neutral ink and carbon ink, so as to facilitate preservation, and the handwriting will not become blurred with time.

2. It is best to write all the IOUs by hand, but if you find it convenient to print, the amount borrowed, the date of the loan, and the signature should be left blank and handwritten.

3. The amount borrowed on the IOU should be capitalized.

4. The interest on the IOU should not be more than four times higher than the interest rate of the same type of loan in the same period.

5. The signature of the borrower and the guarantor on the IOU should be handwritten, and the thumb or index finger of the borrower and guarantor should also be pressed on the signature, and the ID card and contact ** of the borrower and the guarantor should also be left by hand.

6 IOUs, one for each person associated with the IOU. If the amount borrowed in the IOU is too large, a mortgage clause can be added to the IOU to protect the lender's interests.

The IOU should state these conditions: 1. The name or title, domicile and other information of the borrower and the lender; 2. The purpose of the loan; 3. The amount and currency of the loan; 4. Interest on borrowings; 5. The time, place and method of repayment; 6. As well as the main provisions such as liability for breach of contract.

[Legal basis].

Article 143 of the Civil Code of the People's Republic of China is valid for a civil juristic act that meets the following conditions: (1) the actor has the corresponding capacity for civil conduct; (2) The expression of intent is true; (3) Do not violate the mandatory provisions of laws and administrative regulations, and do not violate public order and good customs. Article 470:The content of a contract is agreed upon by the parties and generally includes 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.

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 in arrears 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 is cautious about the RMB, the court will usually make a judgment based on the 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. Therefore, the IOU given by the other party to the court may be repaid 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.

An IOU needs to have the following elements: Document Name: IOU or IOU. Reason for borrowing. Delivery method. Lender. The amount borrowed. Interest. The term of the loan. Borrower.

At the same time, it is best to have the borrower attach a copy of the signed and stamped ID card to the IOU, or make a copy of the ID card to the back of the IOU or other blank space.

Legal basis: Provisions on the Administration of RMB Interest Rates

Article 21.

The interest rate for medium and long-term loans (with a term of more than one year) is fixed for one year. The loan (including all funds that shall be disbursed in installments within one year from the effective date of the loan contract) shall be calculated according to the statutory loan interest rate of the corresponding grade on the effective date of the loan contract according to the term determined in the loan contract, and the interest rate for the next year shall be determined according to the statutory loan interest rate of the corresponding grade at that time after each full year (the date of disbursement of the first loan shall prevail in the case of partial disbursement). Medium and long-term loans are settled on a quarterly basis, with the 20th day of the last month of each quarter as the interest settlement date.

The interest that cannot be paid on time during the loan period will be compounded at the contract interest rate on a quarterly basis, and the penalty interest rate will be compounded after the loan is overdue.

The formal writing of the IOU needs to include the basic information of both parties, the amount of the loan, the time limit of the loan, the agreed repayment date, the interest of the loan, and the personal signature, fingerprint or signature of the borrower.

1. Write down the basic information of both parties.

The basic information of both parties needs to be clearly stated and used as evidence.

2. Specify the amount of the loan.

The amount needs to be written with the numbers.

3. The time limit of the loan.

It includes the start and end dates of the loan and the clear term of the loan.

4. Agree on the repayment date.

The date is an indication of the importance of time.

5. Agree on the interest of the loan.

The interest rate on the borrowed money is important information.

6. The borrower's personal signature, handprint or handwritten signature.

The signature must be written by the person himself before it can be effective.

The role of the IOU:

It can be used to prove the legal relationship of borrowing and lending. The personal IOU should state the name, address and other identity information of the borrower and the lender; the type of borrowing; Currency; the purpose of the borrowing; amount and interest rate, term; As well as the method of repayment, the time Sakura talked roughly, the location, etc. <>

IOUs.

It is hereby proved that Xiao Li owes Xiao Wang --- yuan for the goods, borrowed --- yuan from Xiao Wang in cash, and owes Xiao Wang a total of --- yuan, of which Xiao Wang repaid --- yuan a year ago, and the total amount owed is --- yuan, --- yuan in March, --- yuan in April, --- yuan in May, and the remaining amount will be fully repaid before June 10. If the amount cannot be repaid in time at the time of each repayment, interest will be accrued on the part owed next time, and the interest will be calculated at a monthly rate until the amount is repaid.

Debtor: Signature by fingerprint.

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