欠条

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Character Breakdown

What is 欠条?

欠条 (qiàntiáo) is a written IOU note used to acknowledge a debt. It is a common informal document in Chinese-speaking contexts to record borrowed money and the promise to repay.

Usage and Context

People use 欠条 primarily when lending or borrowing money between friends, family, or acquaintances without formal contracts. It serves as proof of the debt and helps avoid disputes.

Common Collocations

  • 欠条 (xiě qiàntiáo): to write an IOU note
  • 欠条金额 (qiàntiáo jīn’é): the amount stated in the IOU
  • 欠条 (huán qiàntiáo): to repay the debt acknowledged by the IOU

Important Notes

欠条 is less formal than legal contracts but more reliable than verbal promises. When writing 欠条, it is important to include the amount borrowed, the date, and the repayment terms to ensure clarity. Without a 欠条, it can be difficult to prove the debt legally, so it is a practical tool for everyday lending situations.

Example Sentences

He wrote an IOU note stating he borrowed five thousand yuan.

The IOU must clearly state the loan amount and repayment date.

Without an IOU, lending money may involve legal risks.