IOU is a documentary application written by an individual or unit to the relevant unit or individual when it owes money or things. The IOUs are also called "IOUs" today. IOU is also a common written evidence in daily life to prove that one party owes money to the other, which is a kind of application style of credentials.
the format and precautions of the IOU:
1. The subject of the relationship between creditor's rights and debts should be clearly expressed, that is, who is the creditor and who is the debtor (pay attention to the ambiguity of the word "borrow"); When a natural person is the main body, the name on his ID card should be checked, and the resident ID number should be copied on the iou when conditions permit; When the legal entity is the main body, it shall be stamped with the official seal of the entity.
2. The unit of the amount should be clear, the amount should be written in traditional Chinese characters, and the score ratio should be clear, such as percentage, thousandth ratio and ten thousand ratio.
3. Express clearly and pay attention to avoid ambiguity. The date of return should be clear, and if there is an interest agreement, it should be stated, otherwise it will be regarded as no interest according to law, and if there is an agreement on liquidated damages, it should be stated. If there is a guarantor, the method of guarantee shall be indicated, and the guarantor shall be indicated.
4. It's best to have the receipt in duplicate, with each party holding one copy. As a quick and convenient way to confirm, the receipt is usually handwritten, and the issuer is specific, that is, it is written and sealed by the debtor, borrower and recipient, but in reality, it is often written by creditors, lenders and donors, and then signed by the debtor, borrower and recipient. In this case, if the borrower, the borrower and the receiver don't have the same receipt, and the writer tampered with the only remaining receipt, such as adding the amount of the loan, how can the signatory defend it? On the contrary, if there are two identical pieces of evidence (in duplicate), it is not only futile for both sides to cheat, but also hurt their feelings.
formal IOU format (for example)
RMB * * * * is borrowed today and paid off before * * * *,
liquidated damages of *% of the total amount will be paid every year if it is overdue.
borrower: ***
* year * month * day.