ious

借条、欠条、收条的写法（IOU,IOUandthereceiptofthewritten）

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[transfer]lawyersremindwritingIOU,IOUandthereceipt

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LawyersremindwrittenIOU,IOUandthereceiptshouldpay

attentiontowhat?Letyoulongtoe

LawyersremindfolkloanwriteIOUshouldpayattentiontowhat?

Inrecentyears,withthedevelopmentofthemarketeconomy,

people'slivingstandardsareimproving,peoplebetweeneach

othertoborrowmoreandmorewidespread,theamountof

borrowingisalsogettinghigherandhigher,whichtriggered

kindofdisputeincourt

providevidenceofcreditorsoftenonlyanIOUinlawcalled

"solitarycard",thatthereisnootherevidencesupporting

ore,howtowriteaprivateloan,needtopay

yersmeteverykindof

IOUSintheyearsoftheca,ishowtocorrectlywritethe

folkborrowingIOUtoremindthemajorityofcreditors:

A,borrowingtimewriteIOUs,IOUsnottowrite""

IOUandIOUisakindofcreditor'srightsdebtinstruments,

he

borrowertothelenderloansissuedbythewrittendocuments,

itprovesthatthetwosidestablishedaloancontract

relationship;andthefailureisbadonbothsidesofthe

previouconomicexchangesandttlementofattlement,it

isactuallythettlementofpasteconomicexchanges,only

reprentsapuredebtrelationship,notonbehalfoftheloan

ore,borrowingtimewriteIOU,

butnotwriteIOUs,explainthe"burdenofproofusless

reason,toavoid"lawsuit.

Two,whenthetwosidesagreedtoloaninterestratewriteIOU

Inpracticetherearemanycreditorsmisunderstandingprivate

borrowerscannotchargeinterest,sotheinterestonlyinthe

oralagreement,,thelegal

provisionsofcivilborrowingthepartiesmayagreeinterest

at4timestherangeofbanklendingratesoverthesameperiod

asis:theSupremePeople'scourt"anumberof

opinions"onthepeople'scourtcalendingsixthprovisions:

privatelendinginterestratescanbehigherthanbankinterest

rates,butcannotexceedfourtimesthebanklendingratesover

thesameperiod,theexcessshallnotbeprotected.

The"contractlaw"provisionsofarticle211st:aloancontract

betweennaturalpersonsforthepaymentofinterestisnot

agreedortheagreementisnotclear,asdonotpayinterest.

Agreedtopayinterestloancontractbetweennaturalpersons,

theinterestratemaynotviolatetheprovisionsoftherelevant

eisnointerestwillwrite

IOU,lenderssued,theborrowerdoesnotrecognizethe

agreement,theLenderInterestrequestswillnotbesupported

bythecourt.

Three,theloanrepaymentperiodwillbewrittenIOU

Theloanisprotectedbylawinlitigationlimitation,in

practicetherearemanylendersoftendonotknowtheconcept

of"prescription".Thetheoryofborrowingwithoutlimitation

ofactionsagreedrepaymentperiodofunderstanding,some

peopleadvocatefor2yearsoflimitationofaction,alsoargued

thecourtthisissuetograsp

arenotthesame.

Therefore,consideringthecurityofcreditor'srights

recoveryangle,loanrepaymentperiodwillbetimelywritten

IOU,iftheborrowerfailstorepaytheloan,thelendershall,

aftertheexpirationoftheborrowerwithin2years(including

themainpieceofrightstothepeople'scourtorbytheborrower

inthenoticesign).

Four,whentheborrowerIOUshouldwriteclearLenderBorrower

name

Inpractice,thelenderandtheborrowerisarelativelyclo

relationship,

Don'tpanrelativesborrowingwillwritedailyhabitsof

appellationIOUs,suchaslendersas"ZhangShu""brother

Zhang";theborroweras"asan""foursister"andsoon,inca

theborroweroverduerepayment,lendersthinkcourtborrowers,

oftenbecauofcreditor'srights,thedebtorisnotclearby

thecourtshutout.

Five,whentheborrowerIOUshouldbeclearandunambiguous

AtypicalcaisthreetofourLitoborrow100thousandyuan,

alsowrittenIOUissuedbyborrowing100thousandyuan,afew

monthslater,athreereturnLi10thousandyuan,thenthe

originalIOUtoreZhangSanagainforafourIOUissuedbyLee:

"ZhangSanyuanLeefourtoborrow100thousandyuan,isstill

owed10thousandyuan".Heretheword"also"canbeunderstood

as"return(Huang),andcanbeinterpretedas"(HAI)"owe"owed".

Theresultingcontroversyisveryunfavorabletothelender.

IOU,IOU,thelegaleffectofreceipt

A,IOU,IOU,receiptoflegalmeaning,andthefactthatthe

mappingofthelegalrelationship

IOU,IOUandthereceiptisaccordingtocommonlifeandwork,

thisisthethreealthoughonlyoneword,butitslegalmeaning

uedbythedebtortothecreditorthatowed

somethingoracertainamountofevidence,generallyudto

provetherelationshipofcreditor'srightsdebt;IOUis

lenderslendsomethingoracertainamounttotheborroweror

borrowerissuedbythesaiddocuments,generallyudto

justifyborrowingorborrowingrelationship;receiptis

receivedoracertainamountofevidencetosthtoissueleading

peopletoreflect,orthat"receive"thefacts.

Thedifferencebetweenthetwo,IOUandIOU

AlotofpeopleonwhattimetheIOUs,whattimetheiouscan

notalwaysaccuratelygrasp,infact,isnotdifficultto

IOUthereareatleasttwo

different:

First,therearefundsorIOUbehindthegeneralphysicalflow,

ender,"just"and"being"or"will"take

goodsormoneydeliveredtotheborrower,inordertoconfirm

thefactthatthe"flow"withIOUstobefixed;IOUSisgenerally

ttlementorproofofpropertyandalltheoppositestateof

posssion,ownershipisbeingoccupiedposss,u,this

statehasalreadyexistedinIOUs,IOUSistoconfirmthe

existenceofsuchastate.

Second,whichgenerallyhaveloanperiodandtheinterest,the

startingpointbytheperiodofinterestandIOUcomputingin

generalisonloan,andalthoughiouscanalsoagreedalsowell

overdueonthelegalconquences,butthisdateisgenerally

iousissuedafteracertaintimepoint.

Inpractice,theIOUwritteniousorinturnbymanyoftheless

writtenIOU,cauoftenresultsinfacttowideofthemark,

whichrealizestheidentificationofthelegalrelationshipand

therightsandinterestsoftheunnecessarytrouble.

Bhaveverygoodrelationship,Bto

Aborrowed30thousandyuanofemergency,BhitaIOUstoA,

nottheagreedperiod,thentwoyearslater,ifthereisno

interruptionofprescription,suspension,extensionofthe

ca,AsuedBforrepayment,itiasytobecourtasthe

fundamentalreasonisthat,sincethedebtorhasissuedIOUs,

intitledtoclaimitscreditorsrepayment,thelimitation

ofactionbeginsduringthecalculation,andthegeneral

limitationperiodistwoyears,twoyearslatertoclaim,of

toplayIOUs,alsoisnot

agreedbytheperiod,accordingtothecontractlawarticle

206th,"theborrowershallrepaytheloaninaccordancewith

imelimitisnotagreedorthe

agreementisnotclear,norcanitbedeterminedinaccordance

withtheprovisionsofarticlesixty-firstofthislaw,the

borrowercanrepayatanytime;thelendermayurgetheborrower

toreturnwithinareasonableperiodoftime",

ThelenderAovertwoyearstotheBclaimrepayment,tobegin

itsclaimoflimitationofaction,theAsuedB,courtofcour

oughtheword,butthedifferenceis

significant,theopposite.

ThreenotesissuedIOUs,IOUs,receipt

1,writethenumber

ofpaymentarrearsamountofcurrency,orgoodsandname,

quality,specificationsorotherbasictypesofnatural

attributes,thedefaultreason,returndate,overduelegal

conquences,butalsotowriteclearlythecreditoranddebtor

theexactnameorname,finallysignedbythedebtororsigned

tiontotheabovematters

clearlywriteIOU,writeclearthroughtheperiodofinterest

(orrent)andoverduepenalty(ordefault)etc..Inaddition

towritethereceiptclearlyrelatedmatters,toindicatethe

legalconquencesofwhat,forexample,"sofar,bothsides

ofthedebtttlement","sofar,theprincipal-agentcontract

termination"etc..

2,inatetheuofvague

language,suchas"probably","estimate","may","almost"and

"is"and"maybe"andsoon;many

peoplewriteIOU:"ABborrowedonemillion,literallyanalysis

makespeopleconfud,intheendisABBborrowedmoneyor

borrowedmoneyfromA?Infact,notdifficulttowriteclearly,

forexampleyoucanwriteABtoonemillionyuan"or"ABto

borrowonemillionwillnotcauambiguity.

AccordingtoArticle3,thebesttwocopies,eachpartyshall

tandconvenientwaytoconfirm,

generallyaccordingtoarticlearehandwritten,theissueris

specific,thatis,toborrowless,recipientsofwritingand

signature,butinrealitytherebycreditors,lenders,whogave

writtenbyless,borrow,therecipienttosignthesituation.

Encounterthiskindofsituation,iflessborrowers,recipients

ofhisnocopiesofthesamearticlewritten,doessomething

ofthelastremainingonearticle,suchashowtoaddtheamount

oftheloan,thenthesignatureofthepersontodefend?Onthe

contrary,iftherearetwoidentical(twocopies)accordingto

article,thetwosidesandnotinvain,andthereforewillhurt

feelings.

4,ompanyis,

checkwhetherthecompanyhasbeencanceled,thecompanyname

isaccurate(thenameofthecompanyntawordisanother

company,suchas"BeijingZhichengTechnologyLtd."and

"BeijingZhichengtechnologycompanies"aretwodifferent

companies),whetherornotanaturalpersonayear(whetherwith

fullcivilability),isthenameofanaturalpersonis

consistentwiththeidentitycard(Note:homophonewillleave

trouble).Inaddition,thebasicidentityinformationofthe

subjectwillleave,suchasnaturalperson'sage,address,work

unittc..

Thelabelofrealestatelitigationfolkborrowingexperience

|edittagious

Thelabelofrealestatelitigationcivilborrowingious

experience

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