A very good friend and I borrowed more than 30,000 yuan. Is it appropriate for me to issue an IOU? How to open an IOU.

First of all, when borrowing money, you should write an IOU instead of an IOU. The two are different. The basic contents of the IOU include: creditor's name, loan amount (domestic and foreign currency), interest calculation, repayment time, default (delayed repayment) penalty, dispute handling method, as well as the debtor's name, loan date and other essentials. As long as the creditor's name, loan amount, debtor's name and loan date are present, and the main conditions of the IOU are met, it is legally valid. Once a dispute arises, it can be used as evidence to claim creditor's rights in the People's Court, and the People's Court will also accept it. In addition, you can use Youqianhua to borrow money without having to issue an IOU. Spending money is safe, reliable and trustworthy. After opening the Youqianhua App, click Borrow Now → Check the Amount → Apply for a Loan → Funds Arrive. You can complete the loan in up to 4 steps, and it will arrive in your account in as little as 3 minutes.

"Youqianhua" is a credit service brand under Duxiaoman Finance (formerly Baidu Finance) (original name: Baidu Youqianhua, renamed "Youqianhua" in June 2018), click to measure the amount You can borrow up to 200,000. Big brands are reliable, have low interest rates and are trustworthy. Have money to spend - Manyidai, with daily interest rates starting as low as 0.02, has the characteristics of easy application, low interest rates, fast disbursement, flexible borrowing and repayment, transparent interest fees, and strong security. Youqianhua provides personal consumer credit services to the public, creates an innovative consumer credit model, and inherits Baidu's technological genes. Youqianhua uses artificial intelligence and big data risk control technology to bring users convenient, fast and secure Internet credit. Serve.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

When applying for a loan, users will encounter loan products with different repayment methods. Since the interest rates are often expressed in different ways, for example: daily interest rate of 5/10,000, monthly rate of 1, etc., Therefore, it is difficult to compare several products to determine which one is more economical. The price comparison tool launched by Youqianhua can help us solve this problem. Through comparison, we can intuitively understand the interest and fee details of the compared products, which helps us make decisions.

This answer is provided by Youqianhua. Please borrow money reasonably according to your needs. For specific product-related information, please refer to the actual page of Youqianhua official APP. I hope this answer is helpful to you. Click below on your mobile phone to measure your balance immediately! The maximum borrowing amount is 200,000. ?