The ID number of the borrower is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The mortgaged property is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The above contents have legal effect after being signed by both parties and fingerprinted.
Borrower: Lender: Date:
Date: Tel: Tel:
Second, the writing of IOUs.
These contents should be clearly written on the IOU: borrower, currency, loan amount (the amount should be the same in case, and some people will file a lawsuit because of the inconsistency in case. ), use (can not be used for illegal acts, such as knowing that the other party borrows money for illegal acts but still lends it, this creditor's right is not protected by law. ), interest rate (unlike interest, x% interest rate is the annual interest rate and x‰ interest rate is the monthly interest rate. The agreed interest rate is protected by law within 4 times of the bank's loan interest rate for the same period, and some of them are not protected by law. ), repayment time (the starting time that affects the limitation of action), borrower (the borrower and the borrower's name should be the same as the name on my resident ID card), and borrowing time (lunar or solar calendar).
If there is a witness or guarantor, let him sign, but it is necessary to specify whether it is a witness or a guarantor to avoid disputes. It's best to make a copy of the iou after writing it, and keep the original and the copy separately, so it's best to have a copy even if the original is missing. Be careful in the process of paying back the money. It's better to have someone else present when you pay back the money. Lenders should ensure that they can get the loan back when they give it to borrowers. Some borrowers tore up the loan or even ate it after defrauding the loan, but did not pay back the money, which led to litigation. But the borrower paid back the money and wanted to get back the original loan, but he couldn't get back the copy. The loan was going to be burned. In this case, the borrower paid back the money but didn't get back the original loan, and the lender sued with the original loan. Someone sued for tearing up the pasted IOUs. One party claimed that the IOUs had been repaid and torn up on the spot, while the other party claimed that the IOUs had been torn up by fraud but not paid back. It was difficult for the judge to tell the truth. When the loan amount is large, it is best to sign a loan agreement to clearly stipulate the rights and obligations of both parties.
IOUs are actually IOUs that we often use. If you need it, you can use it after appropriate modification according to the demonstration document of loan certificate brought by Bian Xiao.