The disadvantages of borrowing money, a few thoughts about borrowing money

One is that it is difficult to borrow money, and the other is that after borrowing money, you always have to think about what you owe to others, and borrowing money too many times will leave a bad impression in the eyes of others.

The disadvantage of borrowing money is that it is burdensome, stressful, and not the mentality is different.

lent it out with good intentions, but when he asked for money, he became an enemy and didn't even want the money back.

Borrowing money can make friends lose camaraderie with each other.

Disadvantages of borrowing guns. Originally, the relationship between the two was very good. As a result, you lent him money. If you use it, you will ask him for it later. I had to offend him.

One less friend and one more enemy!

Last night, my cousin called ** to borrow money from me to turn around, and in the end I didn't lend it to her, to be honest, I still feel very uncomfortable, I feel that although we got married, there is not much contact, but there is still love from childhood to adulthood, I just asked a few more words, she hung up **, I even thought she might not need it, but then she said in the circle of friends that she was the most difficult time to recognize some people, and she would remember the friends who helped her, I felt a lot.

When it comes to borrowing money, I've long been clear about my bottom line and standards. I won't borrow from ordinary friends, no matter how much, because the relationship is average, after borrowing money, I will worry about the risk of not repaying it, and let myself fall into a kind of mental tension, because I am not rich enough to the extent that others borrow money and do not repay me, but I will resent myself for not knowing people clearly, so I told myself that if I am worried that this person will not repay, then I will refuse and will not fall into this pain. For those who can borrow, I have a clear and unambiguous understanding, my relatives, who have given me warmth since I was a child, and my relatives who have raised me, I will lend to them, but not all reasons can, my cousin belongs to this kind of thing, I have promised to give a solution, but I asked a few more words, but she was unwilling to explain, I think there is not enough trust between us, she hung up** I didn't chase after her to lend her.

I will lend to my good girlfriends, good friends, they are relatives of my own choice, the number is limited, we know each other well, we know each other very well, I will do my best to help within my ability.

About myself, I will not let myself borrow money easily, now credit cards, Internet finance is very convenient, Alipay's borrowing, the bank's quick loan business, open first, really need tens of thousands, I can completely solve it, and I don't need to open my mouth to borrow money. For me, that interest is better than hurting my self-esteem, borrowing money, in fact, hurts my self-esteem, borrowing money is a show of weakness and request, I will only open my mouth in front of relatives and girlfriends, not easy to borrow from others, and will not easily lend to others. Mature young people should not make trouble for others or themselves, so try not to borrow money from others, and do not borrow money from others easily.

A few days ago, the ** swept up the Internet, and a woman in Henan knelt down on the street, the reason was to get back the money she kindly lent out. While condemning the unkindness and immorality of those who borrow money, they also exhorted the public not to borrow money easily, after all, it is easy to lend it and it is difficult to get it back.

What I'm trying to say is: don't borrow money from others easily, because you need to bear the consequences of borrowing money from others.

Except for a few people with good intentions, most people are reluctant to borrow money from others, because when you open your mouth to borrow money, your heart is terrified, you are afraid of rejection, so you will think and think in your heart, and weigh it again. Once borrowed, I feel grateful; Once rejected, it feels extremely embarrassing; That's what pride is at work. Because of borrowing money, the heart is humbled; Because to borrow money, the knees and waist have to be bent.

After borrowing money, you will feel that you owe someone else's money, and you owe someone else's affection, so you will always be cautious, for fear of offending the creditor, not only will you go to the home to express your gratitude during the New Year's holiday, but you will also feel very embarrassed when you meet every day, and you will be more worried about accidentally offending the creditor, worried that you don't know when the creditor needs to use the money, and you can't take it, can't pay it back, and end up with a reputation of "borrowing and not repaying".

They all say that the debts are easy to repay, but the debts of human affection are difficult to repay. The truth is that when you are in trouble, others reach out to help, and lend not only money, but also selfless help to you. Therefore, even if the money debt is repaid, the human debt is still there.

In particular, some creditors will have some feelings of self-superiority, feeling that he has supported you when you were in trouble, and you should always remember and be grateful. If you don't show your gratitude, you'll be branded "ungrateful."

Therefore, borrowing money really needs to pay a price, and the current "moonlight people" should really have the concept and awareness of saving, and don't have to bend down when you need to use money.

And the lady who owes money in **, when the creditor repeatedly wants to no avail, she may feel that she can't live "Look, I owe you money, but I don't pay it back, and you can't help it", what she doesn't know is: After that, she owes a debt of conscience for the rest of her life, and it is difficult to sleep and eat!

In fact, for those who have worked, the most headache and embarrassment in daily life is to meet their colleagues and friends who ask them to borrow money. When you meet your colleagues and friends who reach out to borrow money from you, whether you should lend them to each other, I think you should make a comprehensive analysis based on your own situation and make your own decision.

If I don't know the other party very well, then in this case, I will still politely refuse the other party, find a reason to explain the reason to the other party, and express my apologies. But if I really love face, then even if I lend money to the other party, I will make a consideration before borrowing money again, and think about how much money I can lend to the other party, which I can afford, and be prepared to lend this part of the money to the other party, and the other party will not pay back the money in the future.

In addition, for colleagues and friends who borrow money from me, if I really know each other better, and the relationship between the two people is better, the other party does encounter difficulties and emergencies, within the scope of their own ability, it is not impossible to help each other appropriately and lend money to each other. After all, everyone will have times when they encounter difficulties, and if they help others today, then when they encounter difficulties, others will help them in the same way.

If you hastily lend money to the other party, and the other party does not repay the money, and you negotiate with the other party for this reason, in the end, it will not only be difficult to get back your own money, but also make the two people get along more awkwardly, which is very unwise.

In general, when a colleague or friend reaches out to borrow money, I will consider whether to lend him money.

One of the benefits: This is also the most intuitive "benefit", you will have a lot of money.

Borrowing money from various channels will indeed increase your wealth for a while.

If you repay the loan on time, you will pay interest and fees in addition to the principal. If it is overdue, it will be exposed to high penalty interest and liquidated damages, and the longer it is overdue, the more penalty interest will be. To keep the snowball from getting bigger, you'll use your potential to borrow money from various sources to fill the hole.

As a result, the more you borrow, the bigger the hole, and the faster your wealth is lost, from nothing to a million.

Advantage 2: You don't have to pay back.

When it was just overdue, everything was wasted, there was no collection, no collectors came to collect debts, and the borrowed money was like a strong wind, and my heart was happy. But all this is an illusion before the storm. Soga.

Benefit 3: No longer have to carry a mortgage and car loan.

Serious overdue will be reported to the credit report, three consecutive overdue repayments within two years or a total of six overdue repayments will not be able to get housing loans and car loans, it seems that overdue is also a way to reduce the burden.

Advantage 3: Insulated from "Kanu".

The overdue time is short, the overdue amount is small, and there is a chance to apply for a card within three months. When it is seriously overdue or has a bad record, the possibility of applying for a credit card is very small, and if you can't apply for a credit card, you will naturally not be able to use the card for consumption, and the "Kanu" label is completely insulated from you.

Benefit 4: You will have a lot of "new friends".

If you don't pay back the money, someone will naturally let you pay it back, the bank has a collection department, and the small loan company has a collection department, once you are targeted by the collectors, your, your relatives and friends' will be known, and you and the collectors are destined to be inseparable.

Advantage 5: You will have another "home" with the town.

It is said that home is the best haven for a person. The same is true for those who do not pay back their money on time. When you enter the prison family due to court enforcement, no one will come to you to collect money, which can help you avoid harassment by collectors.

There are many "benefits" to overdue loans, and as long as you dare to try, there will definitely be unexpected results.

Consequences of borrowing money and not repaying: Borrowing money and not repaying it is a civil dispute, and the debt is a specific relationship of rights and obligations between the parties in accordance with the agreement of the contract or in accordance with the provisions of the law, and the person who enjoys the right is the creditor, and the person who bears the obligation is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or in accordance with the provisions of the law.

If the debtor refuses to pay back, the creditor may sue the court to claim the loan.

Legal basis] Article 119 of the Civil Procedure Law of the People's Republic of China on the People's Republic of China.

The following conditions must be met for a prosecution:

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case;

2) There is a clear defendant;

3) There are specific litigation claims, facts, and reasons;

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

Online loans: The advantage is that you don't have a credit report, and there will be no successful loan in the bank in the future, personal: the amount is small, you will lose friends Let people stab the knife in the back to cover the wisdom, the amount of gold and acres is more, you will face a few days to go to the police uncle**.

When people grow up, the number of people who come to borrow money is getting bigger and bigger, unlike when they were students, they borrowed dozens of dollars and hundreds of dollars, and if they borrowed a lot of money, they lost contact and would really vomit to death. Gradually, the following five characteristics of borrowing money were discovered.

Feature 1: I don't usually keep in touch with each other, but I've been calling a lot lately.

Feature 2: The borrower has more living expenses than the borrower (such as changing cars, traveling, buying expensive things, etc.).

Feature 3: After borrowing money, I don't often contact you, and I met it by chance and said: Oh, I'm sorry, I was too busy before, so I didn't contact you

Feature 4: Do not abide by Duan Damu's appointment to repay the money, or even if it is repaid, it is not the amount that should be repaid.

Feature 5: Even if there is news about how much you have bought and how much you have invested in, you will still come to borrow money.

Taken from: Information Network).

References: 1 Lin Tingmiao, Hong Zhenmei, Default Factors of Housing Credit Loans**2, Jiang Jingyi, 2005, The Impact of Partial Prepayment of Residential Mortgage Loans on Default, 3 Chen Meiju, The Impact of the Subprime Mortgage Storm on the Global Economy.