(1) title. The title of IOU is generally composed of language names, that is, the word "IOU" is written in large font at the top and middle of the text. Some still write the words "temporarily owed" or "now owed" as the title in this position, but the text of this title is written at the top of the next line;
(2) the text. The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date;
(3) signature. Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual.
Two. Matters needing attention in formal arrears:
1, the content should be perfect. An iou shall specify the amount and currency of the debt, or the quantity of the goods, the basic natural attributes such as name, quality, specification or model, the reason for breach of contract, the date of repayment, the legal consequences of overdue payment, and the exact names of the creditor and the debtor. Finally, the debtor should sign or seal, and write down the date of issuance.
2. The language should be accurate. Avoid using vague terms, such as "approximate", "estimate", "possible", "almost", "a little" and "possible", and have clear meanings.
It is better to have two receipts, one for each party. As a quick and convenient confirmation method, generally speaking, the receipt is handwritten and the issuer is specific, that is, it is written and signed by the creditor, but in reality, it is written by the creditor and then signed by the debtor. In this case, if the borrower does not have the same receipt, and the writer falsifies the only remaining receipt, such as adding the amount of the loan, the other party can effectively defend.
4. The identity of the subject should be confirmed. If it is a company, check whether the company is cancelled, whether the company name is accurate, whether the personnel are adults (to judge whether they have full capacity for civil conduct), and whether the personnel name is consistent with the ID card. In addition, the basic identity information of the subject should also be left, such as age, address, work unit, etc.
5. Be careful not to leave too many blanks on the IOUs. The blank between the written content and the signature and seal is too large, which makes it easy for the holder to fill in other content, or cut off the original content and add content in the blank, causing trouble.
6. Pay attention to the numbers. If you write in lowercase letters, there is no capitalization, the decimal point is inaccurate, there is a space in front of the number, or the case does not match, it will be easy for the holder to add numbers or modify them, thus causing disputes.
7, pay attention to accurately indicate the date. Once there is a dispute over the date of debt occurrence, it is often difficult to find out the truth and it is easy to cause difficulties in determining the limitation of action.
The writing template of IOUs is as follows:
1. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
The loan term starts from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Liability for breach of contract: if the debtor fails to repay the loan within the time limit, it shall pay liquidated damages at _ _% of the total amount owed. If it is necessary to resort to the court, the debtor shall bear all the extra expenses, including legal fees.
Debtor: _ _ _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ _ _ _ _ ID number: _
Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
legal ground
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.