If you don t want to lend money to your relatives, what reasons do you need to refuse?

Be sure to refuse. Here's my personal opinion:

1.Your ability and willingness: First, you need to consider whether you have the ability and willingness to help.

If you need funds or other resources to cope with your own needs, you can be honest with your relatives about your situation so as not to cause unnecessary stress. If you are in a position to help, then you need to consider the impact of this request on your time, money, and other resources.

2.Relatives' circumstances and requests: Secondly, you need to consider the relatives' circumstances and requests.

If the relative's request is reasonable, and they really need your help, then you can consider helping. However, if they are always asking you for something that you are unable or unwilling to provide, or their request is unreasonable or unethical, then you can refuse their request.

3.Nature of the relationship: Finally, you need to consider the relationship between you and your relatives.

If you are close to them and they have been helping you, then you may be more inclined to give help. But if it's a distant relative or you don't have a good relationship, you can consider declining their request.

In conclusion, refusing a relative's request may cause some discomfort, but if you think it is the right decision, then you should express your position honestly and in a polite and respectful manner as much as possible.

1. Pretend to be poor. Sometimes when it is difficult to borrow money, it feels hurtful to be friendly to each other when you refuse directly, so just pretend to be poor!

Make excuses that you're buying a house, a car, or list your loan credentials.

At this time, what we have to do is to wait for work with ease, see the move, and give back to the other in the other way. Compare yourself with him, make him believe that you are penniless, and completely prevent him from continuing to borrow money from you for other reasons in the future. If he buys a car, you buy a house, and if he raises a son, you will support his mother, and see which of you is more miserable.

2. Excuse yourself for not being at home.

When you are financially strained, and a friend comes to borrow money, or when a friend has a large need for money to borrow money and cannot lend it to him, then the best way is to make excuses, such as putting the blame on the other party in the family, saying that you don't care about the family and that you can't control the financial power.

3. Borrow more in small amounts.

For relatives who borrow a lot of money, if they borrow tens of thousands of yuan at a time, their relatives will feel that their family is confident and rich, or they will come to borrow money. So if you treat such a relative badly, it is better to borrow less first and give more times.

After borrowing money once or twice like this, he himself was embarrassed to borrow money. And in this way, because the borrowed money is small, his family does not affect him, and he reasonably refuses to borrow a large amount of money.

4. Loan agreement.

There are many kinds of people who borrow money, and some people like to take advantage of loopholes and want to borrow money without paying it back.

So now I don't want to borrow money socks to celebrate the sedan chair, and I am embarrassed to refuse directly, so I simply negotiate to borrow money, but I have to sign a loan agreement. This agreement can be in the form of collateral or in the form of borrowing money to receive interest. In short, it is okay to borrow money, but it is carried out in the form of a transaction, so that the other party agrees to borrow money, and there is evidence, and there is no fear of not repaying the money in the future.

If the other party didn't want to trade with it, it just politely refused to borrow money.