As far as I know, the correct way to write an individual IOU needs to include the name of the corresponding creditor, the loan amount, interest and so on. IOUs are proof of the existence of creditor's rights and debts, so it is necessary to specify the relevant contents of IOUs, and specify the specific loan amount, time and place of borrowing, calculation of loan interest, etc. To protect the legitimate rights and interests of both borrowers and lenders.

Correct writing of person-to-person IOUs

1. First, write "IOU" or "loan contract" in the middle of a piece of paper.

2. State the names and ID numbers of the borrower and lender.

3. Reasons for borrowing money

You can write clearly the purpose of the loan.

4. Loan amount

Write down the loan amount and currency in uppercase and lowercase.

Here, I want to remind you of one thing: check whether the figures are consistent. If the figures are inconsistent, amount in words shall prevail in judicial practice.

5. Term of loan

It is necessary to clarify the start and end dates of loans and the solutions to overdue repayment. Personally, if you are not sure when to ask the borrower to return it, it is recommended that the lender not write the date of return, so as to ensure that the limitation period is 20xx years, and it will not be impossible to recover it because it is temporarily forgotten.

6. If you need loan interest, be sure to make it clear.

According to the law, if there is no clear agreement to pay interest, it will not be supported if it is required to pay interest when returning.

7. Signature and seal

After the loan content is written, write the words "this receipt" at the end of the article or on a new line.

Sign the name and date of the borrower and lender in the lower right corner.

If there is a guarantor, he also needs to sign and seal.

8. Leave a copy of your ID card and fingerprints.

It is best to copy the front and back of the borrower's ID card on a4 paper, and then write the debit note on it. In addition, I would like to remind you that it is best to ask him (her) to use his/her right thumb after signing (whether it is the court or our country's law).

In Zhongdu, fingerprints are strictly enforced.

I also want to remind you of the following points:

1, pay attention to the form, there can be no blank lines between the lines, otherwise it will be easy for the holder to add other P.

Black ink or blue-black ink is used for writing and writing. If you write notes with ballpoint pens or other easily faded ink, your handwriting will become blurred if you encounter improper preservation, moisture or water immersion.

2. When repaying, the repayment person should pay attention to take back the IOUs, or destroy the IOUs together. If the lender claims that the loan is lost or damaged, the repayment shall require the lender to issue a receipt, and the repayment shall properly keep the receipt.