What should a formal IOU look like?

What should I pay attention to when making IOUs? The correct format of the IOU, so that you are not afraid of being cheated by others.

Two IOU formats.

An IOU is a document written by people to each other as evidence or explanation for the purpose of dealing with financial, material or business transactions.

The general format is:

1.Title. 2.Body: Write the reason or fact (the amount involved must be capitalized).

3.Attribution, date.

Example 1: An IOU for borrowing something.

The following information is borrowed from the School of Business Administration:

1. A summary of the school's work.

2. A copy of the school's teaching plan.

Department of School Education, Administration for Business Administration.

Handled by year, month, day.

Example 2: An IOU for borrowing money.

I borrowed the whole yuan today, and I will pay it off within the month.

According to the borrower: signature and seal).

YYYYYYYYYYYYYYYYY

By: andyyan1984 - Apprentice Magician Level 2 5-22 16:38

The IOU will be borrowed in RMB today and will be repaid within a month.

According to the borrower: signature and seal).

YYYYYYYYYYYYYYYYY

The IOU was originally borrowed in the whole amount of RMB, which has been repaid and the outstanding RMB is to be repaid within a month.

(Signature and seal).

YYYYYYYYYYYYYYYYY

Precautions: 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 signing with other people 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.

The IOU format is as follows:

1. The title must be written with the word "IOU", and must not be deliberately miswritten as "IOU" by others, pay special attention: although the money is in others, the result is completely different in law;

2. Be sure to write "I borrowed *** cash *** yuan today, and indicate that it is capitalized." Special attention: verify that the capitalization is consistent, if the case-to-case amount of the virtual stool fruit is inconsistent, the uppercase amount will prevail in judicial practice;

3. Be sure to write the name of the lender and the ID number correctly, and be sure to write the name and ID number of the borrower at the same time, so as to avoid problems such as checking whether the identity of the borrower is the same in case of disputes;

4. If it is not certain when the borrower is required to return the loan, it is recommended that the lender do not write the return date, so that the statute of limitations can be guaranteed for 20 years, and the statute of limitations will not be exceeded and cannot be recovered due to a moment of forgetting. Anyone who understands the law knows that there is not much difference between writing down the date of return of the omitted reputation and not writing the date of return.

5. If interest is requested, it must be clearly stated, and the law stipulates that if the return companion does not clearly agree to pay interest, the interest claim at the time of return will not be supported;

6. It is best to copy the front and back of the borrower's ID card on the lower right side of the paper on the A4 paper, and then write the IOU at the upper end.

P.S. The IOU style is as follows:

IOUs. Today, I borrowed xx (ID number: xx) in cash 123456 yuan, capitalized: one pick two million three thousand three thousand Bai Wu Shi Lu Yuan, annual interest rate, before January 30, 2011 the principal and interest will be returned.

According to this. Borrower:

ID Number:

July 11, 2010.

Copy of ID card).

Legal basisArticle 667 of the Civil Code of the People's Republic of China.

A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity with 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, 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.

Article 670.

Interest on borrowings may not be deducted from the principal amount in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual amount borrowed and the interest shall be calculated.

"IOU" is a word we often hear in our lives, and many friends will mention the issue of writing IOUs when they borrow money from each other, whether it is a joke or out of responsibility on both sides. In fact, an IOU is a loan voucher written and signed by the borrower, and after the loan is returned, the borrower can recover his IOU for invalidation.

In fact, when writing an IOU, as long as the borrower, the lender's identity information, the amount of the loan, the time of the loan, the interest on the loan, the time of repayment, etc.

Users need to pay attention to the fact that when writing the IOU, they must write the full names and ID numbers of both brothers, and write the amount clearly, preferably with the uppercase and lowercase amounts. The IOU must also be signed and sealed by the borrower himself, and if necessary, the loan transfer record can be attached.

Do IOUs have legal effect.

IOUs have legal effect, and after you write an IOU and sign it, it is equivalent to signing a contract and having the corresponding obligations. However, not all IOUs are legally valid, and the following conditions must be met for an IOU to have legal effect.

1. The borrower needs to write the IOU under the condition of voluntary sobriety, and if the IOU is coerced or induced to be written under the user's unconsciousness such as being drunk, it is not legally recognized.

2. The content of the IOU must be true and verifiable, and the IOU needs to clearly indicate the borrower, the lender and the amount of information, and can be verified.

3. The IOU must be legally obtained, if the IOU is a forged IOU, or a self-created IOU such as a signature, except for the signature, the other parts are not written by the user himself, then it also has no legal effect.

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 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. Signature, handprint or handwritten signature by the person.

Civil Code of the People's Republic of China

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, interest rate, term and repayment method.

Legal analysis: The formal format of the IOU includes: the name of the creditor, the amount of the loan, the calculation of interest, the time of repayment, the penalty for default (delay in repayment), the method of dispute resolution, the name of the debtor, the date of the loan, etc.

The loan contract shall be in written form, except where there is a separate agreement on the loan between natural persons.

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, period and repayment method.

Hello, the IOU format is like this: the IOU lender (borrower) :(name, ID number, business license number) borrower (lender) :(name, ID number, business license number) loan amount:

Uppercase) RMB (small kuana write) Yuan whole loan purpose: (fill in the specific purpose, such as car purchase, decoration, operation, etc.) loan term: from (year, month, day) to (year, month, day) loan interest rate:

Annual interest rate (fill in the specific number, such as 5%) Repayment method: (such as equal principal and interest, one-time repayment of principal and interest, etc.) Repayment period: from (year, month, day) to (year, month, day) and other agreed matters:

Such as overdue interest rate, liquidated damages, Xunqiaokai guarantee method, etc.) Lender (signature and seal): Date: Borrower (signature and seal):

Date: