请求各位大律师谈谈我的借条的缺点

借    条
            今（      ）借给我（                       ）人民币现金（                   ）圆整{大写}，即（￥               ）元整{小写}，用于做（                         ）{合法事情}。利率为每（年）百分之（贰拾             ）{        }%，每年利息共计人民币（                    ）元整{大写}，（                ）元{小写} 。每（半年 ）以现金形式支付利息一次。            
 
        注：1.借款期限最长（三年），利息为每半年支付一次。债权人有权在每年度收回全部借款本息，如债务人不能按债权人要求日期足额归还全部借款本息，债务人应向债权人支付每日违约金人民币（伍佰元）整并承担一切债权人最终获得债权的相关的费用。提前还款，多付给债权人（两）个月利息。
               2.担保人确认：本人同意各自为债务人的上述债务向债权人承担全部债务连带责任保证，保证期限为借条出具之日起到借款偿还期限届满后{三年零六个月}时止，担保范围包括所有借款本息、违约金、赔偿金、债权人最终获得债权的相关费用(诉讼费、律师代理费、差旅费、公证费及其他实际支出的费用)。
                   
                  
                      债务人（欠款人）（                             ）现住址 (                                                 )
                                   身份证号码（                                        ）电话（                                     ）
                      保证人（担保人 ) （                              ）现住址 (                                                )
                                   身份证号码（                                        ）电话（                                     ）
                      保证人（担保人)  （                             ）现住址 (                                                 )
                                   身份证号码（                                        ）电话（                                     ）
                                                                       以上唯恐口说无凭，特立此借条为证

                                                                    
                                                                                 欠款人（                       ）{手印}
                                                （              ）年（       ）月（      ）日