The following is the format of IOUs:
Xxx (the borrower) borrowed xxX yuan from xxX (the lender) on XX, XX, XX, XX (in words: xxx yuan only). At present, the amount owed is RMB xxx, in words: RMB xxx only, and the repayment is planned to be made on xx, xx, xx. If the repayment period is exceeded, the penalty will be xx every day. Accordingly, according to.
Debtor: xx
Address: xx
Tel: xx.
Xx，xx，xx，xx，xx .
Article 679 of the Civil Law stipulates that a loan contract between natural persons is established when the lender provides a loan.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.
If the loan contract does not stipulate the payment of interest, it shall be deemed as no interest.
If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.