How to perfectly refuse others to borrow money, how to refuse others to borrow money

1. The strategy of delaying the army

When a friend proposes to borrow money, after consideration, it is determined that he does not want to lend money to his friend, and there is no need to refuse on the spot. You can say: I don't have so much in my hands now, I'll go back and think of a way to give you an answer tomorrow. That way, there's still one day to think about what the reason is.

2. Affirm first and then deny

When a friend asks to borrow money, don't say no, it's too hurtful, first express your understanding, understand that your friend wants to borrow money is a last resort. After finding out the reason why they need to use money, they show that their current economic situation is not very rich, and they can't lend the money to the other party at present, so that the other party also understands, and then retreats from the difficulty.

3. Use hints to refuse

When a friend asks for money, in order not to be emotional, so try not to pick up the conversation, such as: "I have something to do now, Mashan."

We're going to go out for a while, and we'll talk about it when we come back. "I'm busy right now, I'll look for you later." ”

4. Suddenly change the subject

If a friend asks to lend him money, if he doesn't want to lend him money, he needs to consciously avoid the topic immediately and forcibly attract the topic to something else. This can not only reduce the degree of embarrassment of the other party, but also gradually reduce the psychology of the other party to borrow money from you, so as to achieve the purpose of euphemistic refusal.

5. Transfer the target

When a friend offered to borrow some money, he didn't want to lend him money. He needs to talk about the reasons why he also needs money, and at the same time be enthusiastic to help his friend analyze people who may help him solve his difficulties. This way, the other person will not be angry that you did not lend him money, but will thank you for your concern and help.

Crying Poor Law.

You don't want to lend money to others, it is very unwise to refuse directly, this way is very offensive, at this time, it is better to have a "miserable competition", "You know, I have to repay the mortgage every month, the car loan, the decoration loan, the son has just entered kindergarten, and the daughter-in-law has changed jobs again."

Still resting at home, my parents in my hometown are not feeling well, I just had surgery in the first half of the month, I just gave the family 30,000 yuan, alas, life is not easy, everyone is moving forward with a load! ”

Wait a bunch of words, if you say something like this, maybe the other party will take the initiative to give you some money to help you!

Some people should say that it is too unkind to do this! Of course, this is a bit unkind, if you have money, then you should be busy and help! If you don't have money, then don't slap your swollen face and become fat, and borrow money if you don't have money, otherwise you will be the one who suffers in the end.

How to refuse someone to borrow money:

1. Find a reason to say that you are more anxious about using money than him.

One day, a colleague in your unit wants to borrow money from you. Say, friend, I'm in a bit of a hurry these days, look, can you give me some money. His reason may be to pay off his car loan, mortgage payment, credit card, or whatever.

Then you know that this colleague has not yet reached the point of borrowing money from you, and you also know that his character is not very good, so you don't want to lend him. However, I usually have dealings with him, and I don't want to make too much trouble.

Then you can say this, well, your credit card is also repaid at this time. My credit card was also repaid at this time. I'm in a hurry to use the money now, brother.

You're better than me, and you've borrowed a little, but I haven't borrowed it at all. That way the borrower will not continue to embarrass us. Of course, the purpose of this is actually to maintain feelings, not only to not damage their own interests, but also to save everyone's face.

Don't let others think that we don't help him, but that we can't.

2. Give back to the other in his way.

Another way to refuse to borrow money is to complain with him that the money is not easy to earn and that the money is not enough to spend, and at the same time, come up with a similar reason to return him the way he came. Similar to the one above, he said he wanted to pay off the mortgage, and you said he wanted to pay the car loan. He said that he wanted to join the group, and you said that his brother-in-law was going to get married.

He said that he had saved money and couldn't take it out for the time being, but if he took it out and gave it to you, you said that he had tracheitis and was not allowed to take the money without the permission of his daughter-in-law.

Refusing to borrow money from others can be done in the following ways:

1.Direct refusal: You can directly tell the other party that you are not currently able to borrow money.

2.Euphemistic refusal: You can tactfully tell the other party that you are currently in some difficulties and cannot lend money for the time being.

4.Other reasons: You can refuse the other party on the other side, such as having a problem with your savings account and needing to keep enough funds to ensure your livelihood.

Either way, try to avoid hurting the other person's feelings and be graceful and respectful.

There are several elegant ways to refuse someone to borrow money:1Direct Confession:

You can say that you are short on money and cannot afford to lend or lend to others for the time being. 2.Euphemism:

You can ask the other person about the repayment time, and if the other person does not have a clear repayment plan, you can politely decline. Whatever the way you go, show patience and understanding to avoid hurting the other person's feelings.

<> here's how to deal with it:1Direct Confession:

You can say "I'm sorry, I can't afford to lend you money for the time being", express your actual situation directly and honestly, and avoid misleading and promises. 2.Euphemism:

You can say, "I've been short on money lately, and I need to settle my own expenses first, so I can't lend you money for the time being", euphemistically expressing the reason why you can't meet other people's requirements. 3.Help:

You can say, "Although I can't afford to lend you money for the time being, I can help you find other borrowing channels or provide other help" to show your best efforts and support. 4.Ask about the return time:

Say "I can consider lending you money if you have a clear repayment plan" and ask the other person about the repayment time and plan to avoid getting stuck in an uncertain situation. Whatever the method you take, show patience and understanding, avoid hurting the other person's feelings, and maintain a friendly attitude. At the same time, you should pay attention to controlling your emotions and not be overly stressed and burdened by the other person's request.

<> if you need to borrow money from a friend or family member, here are some suggestions:1Clarify the amount and purpose of the loan:

Determining how much money you'll need to borrow and what you'll use it for can help articulate your needs clearly. 2.Find the right person:

Choose someone you can trust and can afford to borrow, and it is recommended to communicate with close relatives and friends to avoid unnecessary embarrassment and conflict. 3.Express your needs:

Be honest with the other person about your needs, let them know how much they want to borrow and when they need to repay, and ask if there are any other requirements. 4.Agree on a repayment plan:

Determine how long you want to repay your loan and determine how you want to repay it, whether it can be cash, bank transfer, or other means. 5.Record borrowing details:

Record the details of the borrowing agreement, including the amount borrowed, repayment plan, interest rate (if any), etc., to ensure that both parties are clear about the borrowing details. 6.Keep communicating:

Make sure to maintain good communication with borrowers and update repayment plans in a timely manner to avoid misunderstandings and unpleasantness caused by miscommunication. It should be noted that borrowing itself is risky, and you should carefully consider your financial situation to avoid excessive pressure and burden due to borrowing. At the same time, it is also necessary to pay attention to the repayment plan to avoid debts that cannot be repaid, which will affect interpersonal relationships.

When refusing to borrow money from others, consider the following methods:

1.Direct refusal: Directly tell the other party that you don't have more money to lend out for the time being, don't shout or lose, think about making excuses or shirking, and express your thoughts honestly and sincerely.

2.Tell the truth: If you really don't have extra money, you can directly tell the other party about your financial situation, so that the other party Zheng Shen can understand your situation, so as to reach a consensus.

4.Take precautions: In your daily life, you should pay attention to saving expenses and plan your finances reasonably, so that you can avoid frequent borrowing of money.

In general, when refusing to borrow money from others, you should maintain a sincere and honest attitude, and at the same time, you should also consider the feelings of the other person, and try to treat each other politely to avoid unnecessary conflicts.

The following methods can be used to refuse to borrow money:

1.Be honest and balanced: Be honest about your situation, and if you really can't borrow money, tell them your reasons so they can understand your situation.

2.Tactful rejection: You can express your rejection with euphemism, such as: "I'm sorry, but I can't lend you money in my current financial situation." Or, "I'm having some difficulties too, and I'm not sure if I can help you." ”

3.Give other help: If you can't borrow money, you can consider other ways to help the other person, such as providing practical advice or helping them connect with others who might be able to help them.

Note that no matter which way you respond, you should try to avoid using outright rejection or cold scumbag searches, as this may hurt the other person's feelings.