英语借条是一种正式的文件，用于记录借款人和出借人之间的财务交易。它通常包括借款金额、利率、还款期限以及双方的签名。以下是一个英语借条的示例：

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IOU

To Mr./Ms. [Full Name of Borrower], [Date]

I, [Full Name of Lender], hereby acknowledge that I have loaned to [Full Name of Borrower] the sum of [Amount in Dollars] （USD [Amount in Numbers]）, only, within one year from this date with annual interest at [Interest Rate] percent （4%）.

The purpose of this loan is [describe the purpose of the loan, e.g., for business, education, emergency expenses, etc.]. The borrower agrees to repay the principal amount along with any accrued interest by [Repayment Date].

This IOU shall serve as a binding agreement between the parties and may be used as evidence of the loan in the event of any dispute.

Signature of Lender:_______________________ Date: _______________

Signature of Borrower:_______________________ Date: _______________

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请注意，借条应该包含所有必要的元素，以确保其法律效力。这包括借款人和出借人的全名、借款金额、利率、还款期限、借款用途以及双方的签名。此外，根据具体情况，可能还需要包括其他信息，如借款日期、还款方式等。

在使用上述模板时，请确保所有信息都是准确无误的，并且双方都清楚借条的条款和条件。如果可能的话，最好由专业律师审查借条的内容，以确保其符合当地的法律要求。