How to write personal debt?

My friend recently borrowed some money from me because he was short of money. He said he would write an iou, which would also reassure me.

IOU is a very common way of borrowing, which can effectively avoid disputes caused by borrowing. When typing IOUs, you need to pay attention to the basic elements and precautions of IOUs, and keep IOUs properly. If there is a debt dispute, it can be handled in various ways to safeguard its legitimate rights and interests.

Generally speaking, IOUs need to contain the following contents:

(1) Legal full names of debtors and creditors;

(two) the specific time and reason of default;

(three) the amount owed, including the amount in words and figures;

(4) The specific time and payer of repayment;

(5) Finally, the debtor shall sign, seal or fingerprint.

For example:

Because xxx was short of money recently, I borrowed money from xxx, and I borrowed a total of xxx yuan.

It is expected to be returned as scheduled before xxx, xxx and xxx.

During the period, the monthly interest is RMB xxx only, which should be paid at the beginning of each month without error.

I'm afraid the above words are groundless, and I hereby give you an iou as proof.

Certificate lender: xxx ID number: xxx Contact address: xxx Tel: xxx

Certificate borrower: xxx ID number: xxx Contact address: xxx Tel: xxx

Witness: xxx ID number: xxx Contact address: xxx Tel: xxx

Guarantor: xxx ID number: xxx Contact address: xxx Tel: xxx