What should I pay attention to when borrowing money? What to look out for when borrowing money

If you need to borrow money, where can you borrow it? In fact, there are some ways to solve the problem. The first is to borrow money from relatives and friends; The second is through a bank loan, but the application process is more complicated and the application time is longer.

The third is to apply for a credit loan through the Internet credit platform with your own personal credit, the advantage is that you can apply online, and it is more convenient to apply for the account.

Here is a reminder that it is best to choose a reliable big brand on the market for credit borrowing, such as Alipay's borrowing and Du Xiaoman Finance's Youqian Hua. Youqian Hua is a pure online application platform, which is simple to apply, fast to lend, flexible in borrowing and repaying, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as the start, the interest rate of borrowing 10,000 yuan is as low as 2 yuan a day, and the maximum amount of borrowing is 200,000 yuan, which can meet the needs of most borrowers (click to enter the official money to learn more).

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Be sure to keep the evidence. Go to WeChat to search for [IOU says] Sign an electronic agreement in it, and if this agreement is legally valid and does not repay the loan when it expires, you can apply for online arbitration.

Evidence must be kept, and it is better to make an IOU. I suggest that you go to WeChat to search for the IOU and say that you can sign an electronic agreement when it expires, and you can apply for online arbitration if you do not repay the loan, and it is legally valid.

1. Ability to repay. Unless you don't care if you get your money back; Otherwise, before borrowing, the repayment ability of the other party should be examined according to the amount borrowed. Do you have a steady income?

What is the financial capacity of the family members? Are there any fixed assets? Can you provide a guarantee?

If it's borrowing money to invest, what are the likelihoods of success? These can be included in the scope of the investigation. In addition to this, does the borrower have good faith?

Are there any other outstanding debts? These personal credit issues should not be ignored either.

2. Provide loans. At present, the court is generally cautious in determining the fact of cash loans, especially for cash loans with large amounts, and the review is even more strict. If you sue with just an IOU, you may lose the lawsuit; As for transfers, it is much better, as long as there are IOUs and bank transfer records, winning the case is generally not a big problem.

However, when transferring money, it should be noted that the beneficiary must be the account in the name of the borrower (or other accounts indicated by the borrower in the IOU or contract).

3. Issue an IOU. For ordinary personal loans, writing a contract seems cumbersome, and it is much more convenient to type an IOU. However, it is necessary to pay attention to the accurate name, principal, interest (the part with an annual interest rate of more than 36% is invalid) and the term of the loan, and the borrower must sign and indicate the time at the place where the loan is settled.

If someone makes a credit guarantee, it is best for the guarantor to write the guarantor in person: so-and-so".

4. Preserve evidence. In reality, there are many cases that are lost due to insufficient evidence. Therefore, it is important to collect evidence when providing a loan to prevent it from happening.

In addition to the aforementioned IOUs and bank transfer records, the identity information of the other party, the bank, the contact**, as well as the chat records and call recordings related to the loan are also very important evidence.

5. Overdue processing. If the loan is not repaid when it is due, it will usually be collected. Dong Kai, but what should I do if the other party still doesn't pay it back after the collection?

Normally, you only have two options: first, give the other party a grace period and expect him to take the initiative to repay the money; 2. Directly go through the legal procedures and enforce it through the courts. It should be noted that the current law stipulates that the statute of limitations period is 3 years, so it is best to file a lawsuit within 3 years after the maturity of the loan; Otherwise, there is a risk of losing the case.

I think you have to be sincere when borrowing money from others, or you must tell others about your reasons and where you need money.

As long as the two of you are good friends, I don't think you need to open your mouth to borrow money, just talk to your friends, because friends will help you directly and lend a helping hand when you are in trouble.

But I think it's better to go straight to your own reasons, so that others will willingly give you the money, and then promise to return the money to others.

When borrowing money, you need to know the following matters: whether the parties have the corresponding civil capacity; whether the intention to borrow money is genuine; whether the loan contract is legal; whether it violates public order and good customs; and whether the borrower has a good ability to repay.

[Legal basis].Article 143 of the Civil Code.

Civil juristic acts that meet the following conditions are valid:

1) The perpetrator has the corresponding capacity for civil conduct;

2) The meaning is genuine;

3) Do not violate the mandatory provisions of laws and administrative regulations, and do not violate public order and good customs.

Article 668.

The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669.

When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Article 680.

It is forbidden to lend at usurious interest rates, and the interest rate of the loan must not violate the relevant state regulations.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest.

A person will experience some difficulties in his life, and he needs to ask others for help at critical moments.

When you have to borrow money from someone else, you need to pay attention to these points:

Borrow money in a low-key manner

When borrowing money, please be sure to borrow quietly, if it accidentally spreads, everyone knows that you have no money, and many people will think that you are not good, so they will leave you, especially the leader of the team.

Pay back on time

When you pay back the money, you must be punctual and keep your promises.

Don't be careful not to give a friend a promise that can't be fulfilled in order to borrow money, a friend who is willing to lend you money is your great benefactor, and you shouldn't lie to him.

Show your appreciation

If you can, it's best to pay back the money a little earlier, and don't just pay it back, it's best to give the other party a small thank you gift so that the other party can feel your sincerity.

When a friend borrows money from you, you need to pay attention to these points:

Keep it a secret

Borrowing money from others is a difficult thing to talk about. If you lend money to a friend, it's best to keep it confidential for your friend to avoid unwanted influence on your friend and to avoid your friend having an opinion about you.

Saving the emergency is not helping the poor

Look at the other party's character first, and make sure that there is no problem with the other party's character:

If it is difficult to turn over funds for a while, you can borrow with confidence;

If the other party has been having a problem with cash flow, it is recommended that you refuse.

Treat each other with respect

Respect anyone and never look down on others, even when they are at a low point.

Even if you borrow money, you must respect the other person.

There are two kinds of friendsOne is a friend who is willing to lend you money at a critical moment, and the other is a friend else.

Please cherish lending money to your friends!

The issues that need to be paid attention to when lending money to others are as follows:

1) Sign a formal written loan contract;

2) The agreement on interest shall be known to be legal;

3) Pay attention to identifying the borrower's purpose of borrowing and prevent malicious borrowing;

4) Flexible ways to handle disputes, through negotiation, mediation, arbitration and litigation;

5) Prepare relevant vouchers.

[Legal basis].Article 667 of the Civil Code.

A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity with interest.

Article 668.

The loan contract shall be in the form of a written smile, except where there is a separate agreement between natural persons on the loan. The content of the loan contract generally includes the type of loan, currency, purpose, amount of money, interest rate, term and repayment method.