How to write IOUs and IOUs, how to write IOUs and IOUs

Teach you the difference between an IOU and an IOU.

IOUs and IOUs are both creditor's rights certificates, and their legal effect is not high or low, but the facts cannot be confused.

For an IOU to be legally valid, it should have the following:

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 (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.

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.

Body: 1. The full legal names of the borrower and the lender;

2. The amount of the loan, including the amount in uppercase and lowercase;

3. The time limit of the loan, including the start and end date of the loan and the clear term of the loan;

4. The specific date of repayment;

5. The interest on the loan shall have a clear annual interest rate or monthly interest rate, and the total amount of interest on the loan (including the uppercase and lowercase amounts) that should be paid in the end;

6. The year, month, date and payment method of repayment of the principal and interest of the loan;

7. The borrower's personal signature, handprint or handwritten signature;

8. If necessary, it shall be signed by the guarantor, and the guarantee period and responsibilities shall be clearly stated.

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 made 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.

Legal basis: According to Article 197 of the Contract Law, the loan contract shall be in written form, unless otherwise agreed upon by natural persons. The content of the loan contract includes the terms of the loan type, currency, purpose, amount, interest rate, term and repayment method.

What is the difference between an IOU and an IOU?

Difference Between IOU and IOU:1The reasons for this are different.

IOUs are generally generated by private lending, and IOUs are produced for a wider range of reasons. 2.If a dispute arises, the court will hear it differently.

An IOU refers to a loan relationship, and an IOU refers to a debt relationship, such as an arrears formed by remuneration for providing services.

How to write the IOU: The full legal names of the borrower and the lender should be clearly written; The amount borrowed should be clearly written, including the amount in uppercase and lowercase; The interest on the borrowed loan should be clearly stated; There should be a personal signature, handprint or handwritten signature of the borrower. How to write an IOU:

The title is usually the word "IOU". The body should include: the full legal names of the borrower and lender; The amount borrowed, the time limit of the borrowing, the specific year and month of repayment, the interest on the borrowing, etc.

[Legal basis].

Article 667 of the Civil Code provides that 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 provides 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.

Legal Analysis:1The reason for the arrears and loans.

2.The exact amount of arrears and loans, the name and quantity of the borrowed goods, and the amount should be capitalized.

3.The time for repayment of the loan (property) and the time limit for repayment of the arrears should be clear.

4.The liability for breach of contract should be clearly written, such as interest.

5.When necessary, it shall be signed by the guarantor, and the guarantee period and responsibilities shall be clearly stated.

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.

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

The content of the loan contract generally includes the type of loan, currency, purpose, amount of travel, 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.

The format of the loan IOU is:1. Basic information of both the borrower and the lender, including name, ID number, address, contact**, etc.;

2. The amount and purpose of the loan;

3. Interest on loans;

4. The time and term of the loan;

5. The time limit for performing the terms;

6. Liability for breach of terms;

7. Signed and dated by representatives of both or more parties.

The personal loan agreement, which is also known as IOU, IOU, IOU, etc., is an agreement between the borrower and the lender on the rights and obligations of the loan. The personal jujube bush and the loan stool agreement are also the basis for the court's judgment in the event of a dispute. Therefore, how to write a personal loan agreement is related to the rights and obligations of both parties.

Generally speaking, the IOU should indicate the time of borrowing, the amount of the loan, the duration of the loan, the purpose of the loan, the interest of the loan, the liability for default of the overdue loan, and the term and responsibility of the guarantee if there is a guarantor.

The answer to the question of how to write the IOU is as follows: The following is the specific answer to the question of how to write the IOU IOU, which borrows RMB 50,000 (capitalized Wu Qian Yuan) today, and pays off on December 1, 2006. Borrower:

Jie Kuanren (signature, fingerprint) before February 28, 2006 defense note: Citizens should personally sign and fingerprint when borrowing money, and unit loans should be stamped with the official seal of the unit. It is best to be accurate to the date of the loan.

The repayment date may or may not be agreed, and the legal effect of the IOU will not be affected. The IOU is generally composed of three parts: the title, the Zhenghui liquid text, and the payment. (1) The title of the title IOU is generally composed of the name of the text, that is, the word "IOU" is written in a larger font in the middle of the upper part 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) The body of the IOU should clearly state the person or unit, what thing and the quantity, and indicate the date of repayment. (3) The name of the debtor's unit and the handwritten signature of the person handling the payment shall be signed on the settlement of the payment, and the name of the individual who is the debtor shall 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. There are a few things to pay attention to when writing an IOU:

An IOU is a proof of payment or demand for arrears, so it should not be sloppy when writing an IOU. At the same time, the IOU should be kept well in case it is lost. An IOU is a kind of borrowing and repayment voucher in people's daily interactions, which is generally not legally binding, so if necessary, it can go through certain legal procedures when making an IOU to prevent future troubles.

The IOU must be legible and cannot be altered. If it has to be changed, the party that changed it must affix the official seal (private seal) or personal signature to the change. The money figure should be capitalized.

Template for writing IOUs:

I (the borrower) today borrowed (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 shall pay liquidated damages equal to 1% 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 general format of the IOU

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.

1.Title and borrower: Write a title first, then who the borrower is;

Reason for borrowing money: Write clearly why you are borrowing money, and be true and do not hide it;

Lender: Write clearly who is borrowing money, that is, the loan relationship should be clear;

Loan amount: Write the amount of the loan clearly, both in upper and lower case;

Loan term: Be sure to be clear about the loan term;

overdue issues; Finally, the borrower must sign, fingerprint or seal, and indicate the date.

Write a good loan. <>

Cause. <>

Borrow so-and-so. <>

RMB capitalization.

The term of the loan. <>

How to deal with it if it is overdue.

Name and fingerprint of the person in arrears and date.