Valid. Both the printing and manual writing of the IOU are effective, which does not affect the effectiveness of the IOU. The printed IOU shall be deemed to be valid if it is signed and sealed by the party concerned or stamped by hand. The IOU has legal effect as long as it has the name of the creditor, the amount of the loan, the name of the debtor and the date of the loan.
[Legal Basis]
According to Article 135 of the Civil Code, civil juristic acts may be in written, oral or other forms; Where laws, administrative regulations or the parties agree to adopt a specific form, a specific form shall be adopted.
