Because of business or economic problems, if you borrow money from a friend, you can lend you what you can't do, and what you don't lend you is also your duty, after all, the trust between people is now reduced.
Now that everyone's legal awareness has improved, they are generally required to write IOUs, how to write IOUs to minimize legal risks?
First of all, it is recommended to prepare your own paper and pen, some people write IOUs that have nothing after a while, that is, they have made a lot of articles on paper and pen.
Secondly, you can refer to the following template for writing an IOU:
IOU for business (or other purposes), today received from the lender xxx what form of cash, transfer loaned 50,00000 (capitalized RMB Wu 10,000 yuan), the loan period is 1 month, the monthly interest rate is 1%, and the principal and interest are promised to be repaid together when they expire on x year x month x. If I fail to repay the loan when due, I am willing to pay the overdue interest at 4 times the current one-year loan market interest rate (LPR). I voluntarily promise to bear the lawyer's fees, case acceptance fees, preservation fees, etc. arising from the assertion of rights.
Borrower: xxxx, ID number: contact**: year, month and day.
Finally, the borrower should sign and put his fingerprint, and keep the IOU and proof of payment.