Mortgage can be written together with IOUs or separately, but it is recommended to write together.

IOUs can be in the following format.

Creditor: signature, handprint, ID number and contact information.

Address:

Bank account number:

Debtor: signature, handprint, ID number and contact information.

Address:

Bank account number:

Today, the debtor has borrowed 10000 yuan from the creditor. Payment must be made by transfer from the above bank account, and the reason for the transfer must be indicated.

The loan interest rate is xx (in words), calculated from the day after the funds arrive in the debtor's bank account.

The debtor must pay off the debt before xx (in words). In case of overdue repayment, the debtor shall pay a penalty of xx% (in figures) of the unpaid amount on a daily basis, and the expenses such as travel expenses, legal fees and catering expenses paid by the creditor to obtain the creditor's rights shall be borne by the debtor.

The debtor mortgaged xx (name, font size, serial number, etc. ) as a guarantee for paying off debts.

The mortgage right shall be registered with the competent government department before xx, xx, and the debtor shall cooperate with the registration. If the debtor is unable to repay, it shall sell or auction the collateral, and the proceeds shall be used to pay off the debts.

Both parties agree through negotiation that this agreement is enforceable.

Establish words as the basis.

Creditor: signature and handprint

Debtor: signature and fingerprint.

On xx, xx, xx.