How exactly do you write a canonical IOU?
First of all, you need to write the names and ID numbers of the lender and the borrower, make it clear that the information of both parties is true, and it is best to copy or take pictures of the front and back of the borrower's ID card, and leave the residential address and **. Second, state the purpose of the loan, and then state the principal of the loan (upper and lowercase), the term of the loan, and the interest rate or interest rate. Finally, the borrower signs and signs the date.
According to the need, the two parties can also sign a loan agreement, the content of which is consistent with the IOU, and the agreement can also stipulate the circumstances of default, increase the content of the guarantee, etc.
An example of an IOU template
IOU borrower xxx, ID number: xxxx, borrows xx yuan (capital: xx yuan) from lender xxx due to xx reasons, with a loan term of x years (from x year x month x to x year x month x), annual interest rate xx (at 4 times the loan market ** interest rate (lpr) announced by the national interbank funding center in the same period).
The current borrower has borrowed the loan provided by the lender through bank transfer cash on x/x/x/x. The borrower undertakes to repay the principal and interest in a lump sum after the maturity of the loan, and if the repayment is insufficient to repay the full amount of principal and interest, the interest will be offset first and then the principal. If the borrower is overdue, the overdue interest shall be paid to the borrower at an annual interest rate of xx based on the outstanding principal and the actual number of overdue days.
Borrower (Signature):
Loan date: X/X/X/X.
Attached: front and back of the borrower's ID card, residential address, contact**.