借钱欠条怎么写有法律效力今有_______________向_______________借到人民币大写___________万___________千___________佰___________拾___________元整。小写___________元。上述借款约定于_______________年___________月___________日前还清，逾期不还，借款人应承担违约金___________。双方约定本纠纷由___________人民管辖。借款人：_________