Is there an online IOU to borrow?

If you have an urgent need for money, it is recommended that you must choose a reliable big brand, which is a credit service brand of Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, and has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security. The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Once you meet the above conditions, you can apply for a loan. **If you have money to spend on the app, enter the loan entrance, click to view my limit, fill in the information, confirm the information, and get the limit. Up to 200,000 yuan.

As long as the fact of borrowing actually occurs, in the case of only IOUs, the lawsuit can be won, of course, large loans may not be delivered in cash, and it is best to have transfer procedures;

If there is no actual borrowing fact, when the defendant replies to the plaintiff to provide evidence of payment, the plaintiff is more passive and may lose the lawsuit.

Legal analysis: According to general experience, an IOU is legal and valid as long as it includes the main contents of the borrower, the borrower, the amount of the loan, and the time of the loan.

Legal basis: Article 490 of the Civil Code of the People's Republic of China Where the parties conclude a contract in the form of a written contract, the contract shall be established when both parties sign, affix their seals or press their fingerprints. 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 and administrative regulations stipulate or the parties agree that the contract shall be settled 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.

However, there are a few things that should be paid attention to when using electronic IOUs. The first thing you need to consider is whether the platform is persistent. If the platform is shut down, the e-IOUs are at risk of being lost.

Second, be cautious when choosing a platform. It is necessary to consider whether the third-party platform has proven validity and whether it is reliable. Larger Internet platforms such as Alipay and WeChat have carried out real-name authentication and are relatively reliable.

On some small platforms, real-name authentication is required before signing an electronic IOU to prove who wrote the IOU. Here we also need to consider whether there will be any disclosure of personal privacy. In addition, it is necessary to consider whether the text format of the electronic IOU is standardized and whether the elements are complete.

Whether it is an electronic IOU or a paper IOU, it should have the main information of the borrower and the lender, indicating the principal and interest of the loan. Another thing to note is that you should never borrow from loan sharks. The end result of usury will only be crushed by huge debts, and even affect family harmony.

If you are included in the credit blacklist, it will also affect your career development.

Can I borrow money with an electronic IOU?

First of all, you need to consider whether the platform has persistence and sexuality. If the platform is shut down, the e-IOUs are at risk of being lost. Second, be cautious when choosing a platform.

It is necessary to consider whether the third-party platform has proven validity and whether it is reliable. Larger Internet platforms such as Alipay and WeChat have carried out real-name authentication and are relatively reliable. On some small platforms, real-name authentication is required before signing an electronic IOU to prove who wrote the IOU.

Here we also need to consider whether there will be any disclosure of personal privacy. In addition, it is necessary to consider whether the text format of the electronic IOU is standardized and whether the elements are complete. Regardless of whether it is an electronic IOU or a paper IOU, it should have the main information of the borrower and the lender, and indicate the principal and interest of the loan.

Another thing to note is that you should never borrow from loan sharks. The end result of usury will only be crushed by huge debts, and even affect family harmony. If you are included in the credit blacklist, it will also affect your career development.

As an emerging thing, how to ensure the authenticity and tampering of electronic IOUs as electronic first key evidence is the most important risk point to be guarded against. When examining the evidentiary validity of electronic IOUs, courts are most concerned with the validity of electronic signatures. In the process of forming an electronic IOU, it is necessary to meet the constituent elements of a reliable electronic signature as stipulated in the Electronic Signature Law of the People's Republic of China, so as to ensure the exclusivity and authenticity of the electronic signature.

For example, in terms of functional design, Tencent e-Sign requires real-name authentication to confirm the user's identity, electronic signature to ensure the user's will, and the signing process and results are fixed throughout the process through blockchain technology to prevent the electronic IOU from being tampered with and ensure the authenticity of the electronic IOU, then the electronic IOU and the paper contract have the same legal effect.

But what if I can't find a way to borrow?

I don't know which platform you're using.

Yes, the specification IOUs are as follows:

1. It is better to write the IOU by hand of the borrower, but pay attention to the writing specifications. Printouts are also legally valid, but they are prone to forgery.

2. Be sure to ask the borrower to write down his personal information and ID number on the IOU, and ask the borrower to provide the original certificate for verification, and sign at the same time, and also ask the borrower to press the fingerprint.

3. Be sure to write clearly on the IOU the date of the loan, preferably to the date. The borrower can also be required to repay the loan at the expiration of the repayment date. If the repayment is not made by the expiration of the repayment date, the lender shall sue within three years to avoid losing the right to prevail.

4. The loan amount should be written in Arabic numerals and Chinese capitals at the same time, and the currency should be clearly written to avoid tampering with the amount.

5. Try to choose the method of bank transfer for the delivery of the money, you can indicate the account number and transfer date of the other party receiving the money in the IOU, and for the transfer, you can note the purpose of the loan. If the amount is small, the cash delivery should indicate in the IOU that the loan was delivered in cash. Either way, the borrower is required to write a separate receipt for the money that has been received.

The IOU can only prove that there is a contractual relationship between the parties, and it is not enough to prove that the lender has fulfilled its obligation to pay the money.

6. If the borrower is married, it is best to obtain the signature of the spouse at the same time, which is more secure for the lender, so as to avoid the borrower's spouse refusing to bear the repayment obligation on the grounds of ignorance, or the borrower transferring the property to the spouse when the court enforces it, resulting in inability to repay.

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

The sixty-second episode released the cold arrow Yanqing Savior robbed the Dharma field Shi Xiu jumped off the building.

Today's young people must keep their lives organized.

It's more difficult, if it's not safe, who will take it.

An IOU is an IOU that is written to a person or a public person when they borrow cash or goods from the other party. After the money and property are returned, the slip maker takes back the slip, which is invalid or torn. It is a voucher instrument.

It is usually used in daily life as well as in business management. From a legal point of view, 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 of the amount specified in the creditor's IOU.

1. If the repayment period agreed on the IOU has expired and the other party has not repaid, the other party can sue; If the agreed repayment period is not reached, the lawsuit cannot be filed.

2. If the repayment period is not specified on the IOU: after the creditor demands and gives the debtor a reasonable period of time to repay, the lawsuit can be filed after the definite repayment period is exceeded, and the statute of limitations is 2 years.

3. When filing a lawsuit, you may write the complaint, bring your ID card, and relevant evidence, and go to the case filing division of the basic level court where the defendant's household registration is located (permanent residence for more than one year) to request that the case be filed.

IOU is in daily life and work, between citizens or organizations due to the lending relationship to each other to write the voucher that is, IOU, this kind of voucher document is often used in all aspects of daily life and work, this simple legal document, many people write not standardized, IOU is generally written by the debtor, should indicate what borrowed, what time to repay and sign and seal, and finally fall on the date, if the return period is not specified, according to the relevant legal provisions, the statute of limitations is 2 years, if after the IOU is formed, If the property has been collected within two years and the other party has not repaid the borrowed property, if there is evidence, the statute of limitations can be calculated from the date of collection, and the statute of limitations is two years.

The IOU needs to have the names (ID numbers) of both the borrower and the borrower, the amount of the loan, the purpose of the loan, the date of the loan, the method of payment, the date of repayment, the method of repayment and the interest rate (optional).

If you are a borrower, I would suggest that you look at the date of the loan, the interest on the loan, and the date of repayment. If there are no problems, you can sign off.

Prepare IOUs, bank transfer records and other evidentiary materials, complaints, copies of the plaintiff's ID card, copies of the defendant's ID card or defendant's Changkou information materials to the people's court for litigation. The competent court in this case is the people's court where the plaintiff or the defendant is located.

If you have less, you can write it yourself, and the other party can know it, and then if it is not big, you must have a witness.

Online loans are risky, and many people are deeply involved in them, so you should try not to borrow. Look at other people's examples, look at other people's examples, I really want to tighten my belt and starve myself for three days and three nights. And they have no chance to regret it.

I guess the question is how to sign an IOU, right? How do you write an IOU? It's better not to write an IOU and sign a loan contract.

Writing an IOU is crucial, and if you make a mistake and the money will not come back, it is best to consult a professional lawyer.

Are you asking about the inside of Alipay?

Shouldn't this article just be written in one word?

<> IOU can be written, the specific style is different, you can refer to the above style to fill in, it is best to press the fingerprint.