How to make an IOU for online consultation, how to make a formal IOU

Ious. I purchased (goods) from (full name of the store) on YYYY-XX-DD, and have repaid the payment for the goods, and still owe the payment for the goods, and I guarantee to repay the balance of the payment before YYYY-MM-DD, OTHERWISE I'm willing to bear including but not limited to overdue interest, attorney's fees, and litigation costs.

I: ID card:

Date: Analysis: 1. If a lawsuit is filed, the reason for the arrears should be explained for the IOU, so the part of "I purchased (goods) from (the full name of the store) on the date of year, month and day, and the payment for the goods has been repaid, and the amount of the goods is still owed" is written into the part that is conducive to clarifying the facts and sorting out the creditor's rights and debts.

2. The "I guarantee to repay the balance of the payment before the date of xx, xx and xx" clearly states the repayment time, which is convenient for supervising the other party to perform its obligations, and the statute of limitations is calculated from this date and the term is two years.

3. "Otherwise, I will voluntarily bear including but not limited to overdue interest, attorney fees, and litigation fees" This part is used to supervise the performance of obligations, because if the other party does not pay off the payment on time, it will greatly increase the cost of breach of contract (if the lawsuit is filed, we can basically win, and the lawyer's fees will be borne by the other party, at least 3,000, and then explain this to the other party, it is estimated that the other party will not dare not pay it back). Generally, the debtor will not have a problem with this part when signing this IOU, because as long as it repays on time, there will be no such fees; On the contrary, if there is an opinion from the beginning, the other party will be suspected of not planning to repay the loan on time.

The IOU should be written with the following contents:

First, the identity information of both the debtor and the creditor;

second, the amount and purpose of the arrears;

third, whether interest is paid;

fourth, whether the repayment date has been agreed;

Fifth, the debtor's signature confirmation;

Sixth, the time when the IOU was written.

Hello! IOU for what and how much money is owed to whom, signature and fingerprint of the debtor, date.

Lawyer Wang Yuqin.

Hello, the content on the IOU should include the borrower, the reason for the loan, the time and date of the loan, the agreed repayment time, and the signature of the borrower. It is okay to have no fingerprints and no bystanders, as long as you make sure that the IOU is written by the borrower.

Legal analysis: IOUs shall be in written form, unless otherwise agreed between natural persons; The content of the IOU generally includes the type of borrowing, the currency, the purpose, the amount of the loan, the interest rate, the term and the repayment method. The IOU must have the basic information, signature and date of the person who is in charge.

Legal basis: Article 668 of the Civil Code of the People's Republic of China 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 and repayment method.

An IOU is generally composed of three parts: the title, the text, and the payment, the specific way to play is:

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 middle of the upper middle of the text. There are also the words "temporarily owed" or "owed" written in this position.

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 IOU should be signed with the name of the debtor's unit and the handwritten signature of the person handling it, and if the IOU is issued by an individual, it must be signed with the name of the debtor and the date of the IOU, which belongs to the unit and must be stamped with the unit's seal.

The basic elements that a formal IOU needs to have:

1. The borrower's name, ID number, and address. The borrower is an individual and must sign in person, and the legal validity of an IOU signed by someone else will be disputed. For example, Zhang San borrowed money to sign Li Si's name, which will bring legal trouble to the lender.

2. The name of the lender: the full name is required, it is best not to write, and borrow the code names of Sister Zhang, Brother Li, etc., so as to avoid obstacles when claiming creditor's rights.

3. Write down the amount of the loan: It is best to write the currency of the amount, such as how many yuan is RMB, and write it separately in the form of uppercase and lowercase, so as to avoid disputes where the handwriting is not clear and the amount cannot be seen clearly, but be sure to check the consistency of uppercase and lowercase.

4. Repayment period.

5. Interest: If there is an agreed interest rate for private loans, it shall be performed in accordance with the agreement between the two parties, and if there is no agreement on the interest rate, it shall be regarded as an interest-free loan. Before the date on which the creditor claims repayment and pays interest, the people's court generally does not support the interest on this period of normal loan term.

6. Repayment method: whether it is a one-time repayment of principal and interest, or repayment of principal and interest in installments, and how much to repay in what period, needs to be clarified.

7. Payment: the borrower's signature, the complete date (year, month and day), and it is best to print and touch it.

The difference between an IOU and an IOU

IOUs and IOUs are not the same in nature, and they are formed for different reasons, IOUs are mainly generated by borrowing, while IOUs may be generated due to sales, leases, interest, etc. If there is no agreed repayment date, then the creditor can claim it at any time, and the limitation period shall run from the time when the debtor refuses to repay, and the maximum limitation period shall not exceed three years, and if the repayment period is agreed, the limitation period shall run from the expiration of the repayment period.

If there is no agreed repayment period in the IOU, the statute of limitations shall be calculated from the date on which the arrears are formed, and if the repayment period is agreed, it shall be calculated from the expiration of the repayment period. In other words, the statute of limitations is the same for IOUs and IOUs that have agreed on the repayment period, and there is a difference between IOUs and IOUs without an agreed repayment period.

Formal IOUs include the following: 1. The reason for arrears and borrowing; 2. The exact amount of arrears and loans, the name and quantity of the borrowed goods, and the amount should be capitalized; 3. The repayment time of the loan and the payment period of the arrears should be clear; 4. The liability for breach of contract should be clearly written, such as interest, etc.; 5. If necessary, it shall be signed by the guarantor, and the guarantee period and responsibilities shall be clearly stated. 1. The template of the IOU is as follows:

IOU There is arrears today, and the amount of the yuan is capitalized: 10,000 thousand yuan and 100,000 yuan Residential address of the debtor: Debtor:

The ID number of the debtor: Attn: YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYY

1. The debtor has the corresponding capacity for civil conduct; 2. Writing down the IOU is the true meaning of the debtor; 3. There is no malicious collusion to damage the interests of the collective or a third party; 4. There is the signature of the debtor. In short, the IOU should include the reason for the arrears and loans; the exact amount of arrears and loans, the name, quantity and amount of the borrowings; The time of repayment of the loan, the deadline for repayment of the arrears, etc. The debtor who writes the IOU should have the corresponding civil capacity, be the true intention, and have no malicious collusion to harm the interests of the collective or a third party.

Legal analysis: 1. "IOU" should be written, not "under-rolling".

2. The interest rate agreed upon by both parties should be written into the IOU when borrowing.

3. When borrowing, it is advisable to write the repayment period into the IOU.

4. When borrowing, the IOU should clearly state the full name of the lender and the borrower.

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 agreement 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.