The standard format of a handwritten IOU, how to write the standard format of a handwritten IOU?

1. What is the standard format of a handwritten IOU.

1) The IOU shall be in written form, unless otherwise agreed between natural persons;

2) The content of the IOU generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method;

3) The IOU must have the basic information, signature and date of the parties.

2. 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 between natural persons.

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

2. What is the format of the IOU?

The IOU is written in the following format:

I borrowed the whole yuan today, 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 breach of contract: If the borrower fails to repay the loan within the time limit, the borrower shall pay liquidated damages equal to 1% of the total amount of the loan, and if it is necessary to sue the court for settlement, the borrower shall bear all additional costs, including attorney fees.

Borrower: Identification Number:

Guarantor: Identification Number:

Date: YYYYYYYYYYYYYYYYYYYYY

The standard format for a handwritten IOU is as follows:

2. Text: Start writing with two blank spaces at the beginning of the second line, and the text should indicate who owes what, quantity, name, etc. It is best to agree on the return time and liability for breach of contract.

Key data should be capitalized in Chinese characters.

3. Name: After the text is over, write the unit and name of the person who left the IOU in the lower right corner of the page on another line.

4. Date: On a separate line, write the date of the note below the name.

5. After the IOU is written, it is generally required to be stamped with a seal or private seal. Personal IOUs are generally required to be fingerprinted. Fingerprints are pressed on the name.

IOUs are generally used in the following situations:

1. When purchasing goods or purchasing products, you must write an IOU because you cannot pay or cannot pay all the money of others.

2. If you borrow money or property from another person or unit, you can't return it at that time, or you can't return it in full, and some of it is in arrears, so you need to write an IOU.

3. The voucher of borrowing money or property from a person or the public and writing it afterwards can also be called an 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.

IOU precautions

IOUs are short and concise, and are often used in daily civil and commercial activities.

Referring to the three elements of civil legal relations (subject, object, and content), the following matters shall be paid attention to when issuing an IOU:

First, the main body. The subject of the creditor's right and debt relationship should be clearly expressed, that is, who is the creditor and who is the debtor (note the ambiguity of the word "borrow"); When a natural person is the subject, the name on the ID card should be checked, and if conditions permit, the resident ID number should be copied on the IOU, and the signature should be pressed, preferably with fingerprints. When the legal entity is the main body, it shall be stamped with the official seal of the unit.

II. Subject Matter. The unit of the amount should be clear, the amount should be marked with Arabic numerals and then written in traditional Chinese, and the ratio should be clear percentage, thousandth, and 10,000th.

1. IOU format:

Reason: Today, due to personal financial constraints, I borrowed 1,000 yuan (one thousand yuan).

Borrower: Signature).

Date of borrowing: April 1, 20xx.

Repayment Date: August 1, 20xx.

2. IOU format:

How much does Party A borrow from Party B on a certain day of a certain year, a certain month, and a certain period of the loan, and it is agreed that it will be repaid on a certain day, and the interest is ......If Party A fails to return it on time, pay the liquidated damages.

Signature of Party A: Signature).

Date: August 1, 20xx.

There are five things to pay attention to when borrowing:

1. It is best to attach the ID number of the borrower and the borrower in the IOU, so as to avoid unnecessary disputes.

2. When the borrower signs, the lender must see the signature with his own eyes to prevent the borrower from using other signatures and finally refusing to recognize the IOU.

3. The writer of the IOU must be the borrower, not the lender, otherwise the borrower will defend that the content is not the original text.

4. Try to avoid using language that is prone to disagreement, and concise and semantically single IOUs are the most standard IOUs. Avoid vague language such as "A borrows money from B", because it is easy to lose sight of who is the lender and whose borrower.

5. The name should be written as an IOU, not an IOU, and there is a big difference in their legal meaning, the IOU is valid for 20 years, and the IOU is 3 years.

Legal analysis: The arrears are generally composed of three parts: the title, the body and the payment. The title is generally written in a large font in the middle of the upper part of the text.

The text should clearly state what person or unit, what and quantity, and indicate the date of repayment. If the IOU issued by an individual needs to be signed with the name of the debtor, and the date of the IOU should be signed at the same time, the official seal of the unit should be stamped, and the individual should be stamped with a private seal or signature.

Legal basis: Article 490 of the Civil Code stipulates that if the parties conclude a contract in the form of a contract, the contract shall be concluded when both parties sign, seal or fingerprint.

The contract is formed when one of the parties has fulfilled its primary obligations and the other party has accepted it before signing, stamping or fingerprinting. When laws or administrative regulations stipulate or the parties agree that a contract shall be concluded in written form, and the parties do not use the written form but one party has performed its main obligations and the other party accepts it, the contract shall be established.

Legal analysis: The standard format of an IOU is usually composed of three parts: the title, the body and the payment. First of all, the title of the IOU needs to be composed of the name of the text, and the word IOU should be written in the middle of the upper part of the text.

Secondly, the body of the IOU needs to clearly state the name or unit of the debtor, the number of fingers, etc., and also clearly indicate the date of repayment. Finally, the debtor and the handler have to settle the payment.

Legal basis: 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 initiates a private lending lawsuit with a 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 a legal relationship between loans and loans.

Where the creditor's rights vouchers such as IOUs, receipts, and IOUs held by the parties do not indicate the creditor, and the parties holding the creditor's rights vouchers file a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualifications, but the people's court ruled to dismiss the lawsuit if it found that the plaintiff did not have the creditor qualifications after examination.

The writing of the standard IOU is: 1. The title first indicates the IOU; 2. The main part of the text clearly states the type of loan, currency, purpose, amount, interest rate, term, repayment method, borrower and lender and other terms; 3. At the end of the IOU, both parties need to sign and fingerprint. The IOU is the best evidence for a party to claim rights in the future, so it is important to list the necessary content in the IOU, and pay attention to the repayment period of the IOU to avoid exceeding the statute of limitations.

[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 between natural persons.

The IOU must contain several important points to be written with legal effect, the specific information of both borrowers, the amount of money, the date of the loan, etc., you can check the template from the Internet to see the information, or go to the IOU to say, the template is more, so that the IOU with legal effect is written, when the other party does not repay the money can also access the legal process, their legal rights will be protected, with this guarantee, you can greatly reduce the occurrence of non-repayment of the debt, I hope it can help you.