How do you politely refuse to borrow money?

First, borrow less, not borrow more.

If the borrower has a better relationship with us, we can lend the other party a little less money and tell him that his financial strength is limited, so he can only help here, and when he has the money, he will pay it back. In this way, you can test what kind of person the other party is in terms of using money by whether the other party can repay the loan on time; Second, if the other party is really in a hurry to use the money, no matter how much money he borrows, he will be grateful to you, and this money does not have a big impact on him, even if he can't get it back, he can adjust his mentality in time.

Second, give him ideas.

Don't just refuse someone's request to borrow money in the first place, first ask them what happened and how much money they need. Then I said that due to the impact of the epidemic, I don't have any economy at home**; Finally, recommend some formal money lending software or banks to him, and tell him that the money will come faster in this way, and relatives and friends may not be able to borrow it if they have relatives and friends in the bank. In this way, no matter whether the borrower has such an opinion or not, he will also feel that you care, and he will not have to lend the money and will not hurt the harmony of each other.

Third, transfer fiscal power.

Generally speaking, there is only one person in charge of the finances in each family, you can tell the other party that the money is all in the hands of the other half, and you don't know if there is spare money at home, and ask your lover for a while. Generally no one will cross their relationship with a friend, find a friend's partner to borrow money, and finally this matter will be over, an extra reminder, if you value the relationship between you and the borrower, you must reply to him again in the follow-up that his other half disagrees, or just gave the child a sum of money before this, otherwise it will make the other party think that you are very perfunctory, and then affect your relationship.

Fourth, anti-customer-oriented.

After the other party tells you about what you have encountered, you have to express your empathy, because you have also encountered or are experiencing such a thing, and then ask him if there is a reliable way to borrow money, and he is really desperate. It is best to reject others by slapping **, which will make the other party grateful and feel that you pay enough attention to this matter; Second, you can make it clear, and sometimes the power of words is much stronger than words.

This matter has to be seen on a case-by-case basis.

1.Look at the size of the amount. If the amount is large, you can directly find a reason to refuse. If the amount is small, it can be said that I am preparing to save money to buy something recently, and the money in my hand is only enough for my usual use.

2.Look at the relationship. For example, there is no need for a loved one to refuse. Or the girl you like, there's no need to refuse. Speaking of euphemism, it means that you still care about this person, otherwise it would be better to directly say that there is no money.

3.Look at what he borrowed money for. There is a saying that the emergency does not help the poor. If it's life-saving money and it's a good friend, you can help if you can.

4.It's best not to lend him money until you don't know his character.

Having said so much, the question is, if the money has been lent out, how can it be returned elegantly? I know some people are embarrassed to ask directly.,Last time I saw two chat records on the Internet about the account.,It's funny.,Take it to let everyone see.,Have fun.。。。

1. Be patient. You can change the topic, talk about your own situation first, and then euphemistically say that the current situation is difficult, and you also have a lot of pressure, so you can lend out if you have no spare time for the time being, and other parties can try to help. Don't refuse at the beginning, it's easy to hurt and get angry, and through this roundabout way, you can not only make the other party understand, but also show your heart.

2. Be straightforward. For friends who often borrow money and do not repay it, and have poor reputation, before he opens his mouth to borrow money from you, you can say that he is owing money, and now he is short of money to repay the debt, let him support a little, and the other party will generally not continue to borrow money after hearing you say this.

3. Bargging. If the other party is your good friend, and you don't want to borrow money, you can try to bargain tactfully", for example, if the other party wants to borrow 5,000 yuan, you can introduce your current predicament, even so, you are willing to squeeze out some funds to support him, about 500 1000, maybe the other party thinks that it is too little and useless and will not borrow, even if the borrowing does not affect you much, you can also get a favor.

Well, someone else borrows money from you anyway? If you don't borrow, it doesn't matter if you're polite or impolite, so if someone really borrows money from you, if you don't want to borrow, just refuse.

1.Telling a friend that you still owe money to others is the best trick 2When it is difficult to refuse head-on, adopt roundabout tactics, such as showing sympathy to the other person first, and then giving reasons to reject 3

To ask for help, first stabilize the borrower, then use the excuse to go to the toilet, hide in the bathroom and call for help. Remember to take the borrower out of the house with you, and don't let him wait at your house.

Tell someone that you don't have any money, or that your money is in the bank and you can't withdraw it, and you don't have that much money in your hand right now.

It is recommended to find a reason, for example, sorry, my money has just been lent to so-and-so, if I have recently purchased something large or I have a large expense, you can also say, I happened to buy something recently, and the money left in my hand is only enough for living expenses, I'm sorry.

Politely refusing to borrow money from others can turn defense into offense. Before the borrower says what he wants, you need to borrow money from him.

I'm sorry to reply to him like this, I don't allow me to lend you my funds, I'm sorry.

You just say, my money has been bought**, or I have bought financial management, and if I can't take it out for a while, it's over...

When refusing someone to lend money, the key is to be polite, sincere, and firm. Here are some tips to help you gracefully decline someone to borrow money:

1.Find out why:Before responding, understand the reason for borrowing money from the first hidden party. This helps you determine whether the other person's needs are justified and whether you should lend them money.

2.Express sympathy:Before refusing, show that you understand the other person's plight and make them feel that you care and support.

3.The difficulty of expressing yourself:When explaining the reason for the rejection, try to focus on your own difficulties rather than emphasizing the other person's problems.

For example, you can mention your recent financial stress, or your current investment plans.

4.Additional help:Although you can't lend money directly to the other party, you can provide other forms of assistance, such as providing information, recommending other borrowing channels, etc.

5.Be polite and respectful:Always be polite and respectful throughout the process and avoid using sharp words.

6.Emphasis on friendship and support:While refusing, emphasize that you are still willing to provide support and assistance to the other person in other ways.

Here's a sample of refusing to borrow money:

Oops, I heard you're having some difficulties, and I really sympathize with you. I've also been experiencing some financial stress lately, though, and I don't have enough money on hand to lend you. I'm really sorry, but I hope to help you in other ways, such as recommending some reliable borrowing channels.

I believe that our friendship and support will help you through this difficult time. "

Refusing to lend money is a complex social situation, and it is necessary to consider both the feeling of the base code and the protection of one's own interests. Here are some tips to help you gracefully refuse someone to borrow money:

1.Know where you stand: Be clear about your financial situation and affordability before rejecting someone. Do you have enough balance to lend to others? If you refuse, will it have a bad impact on your life?

2.Choose the right time and place: Saying no at the right time and place can reduce the resistance of the other party. Avoid refusing in public or in the presence of other people to avoid embarrassing the other person.

3.Be honest and sincere: Be honest and sincere about your feelings and let the other person know what you're struggling with. This could include explaining your financial situation or mentioning other significant recent expenses, etc.

4.Offer alternatives: While you can't lend money directly to the person, you can offer other help, such as advising them on a loan, asking for help from other friends and family. This way not only shows your concern, but also avoids the embarrassment of outright rejection.

5.Show gratitude: When declining someone's request, show gratitude for the trust they have placed in you. This can make the other person feel your respect and also help maintain the friendship between the two parties.

6.Pay attention to your words and tone: When rejecting someone, be mindful of your words and tone and avoid using words that are too direct or harsh. Try to express your rejection in a peaceful, tactful way that is easy for the other person to accept.

With the above suggestions, you can be more graceful in declining money from others while avoiding ruining the relationship. When dealing with these types of issues, it is essential to remain calm, respectful, and friendly.

1 How to politely refuse someone to borrow money? Defending is attacking. Before the borrower says what he wants, you need to borrow money from him.

The other party must have been quite surprised, and was too busy to parry and had no intention of mentioning the matter of borrowing money again. The premise of using this method is that you must anticipate the intentions of the person who is coming, and you must have a quick eye and mouth in order to keep the enemy out of the house.

2 Compare yourself with your friends and cry out for poverty. Everyone's life is not easy, will encounter a lot of difficulties, when friends tell their difficulties, you can also bring out what happened to yourself at the same time worse than friends, or more difficult things to say, let friends feel that their difficulties are so insignificant, and they are even more embarrassed to mention borrowing money.

How to politely refuse someone to borrow money.

3. The unit efficiency is not good, and the income is reduced. Recently, the efficiency of the unit has not been good, the income has been decreasing, and it can only maintain the basic needs of life, and there are old and young people, and the burden of life is very large, which is really helpless.

4 If you have friends who are important to you and you don't want to hurt your feelings, you may want to use this method. For example, if he borrows 1000 from you, you can say that you only have 100, and you can borrow 100 from him, so that you will not hurt each other's feelings.

Refuse to borrow money from othersMethod 1.

1 After understanding your friend's difficulties, then change the topic, and then pull to the account of your own life and expenses, and then calculate your daily or monthly income and expenses in front of your friends, preferably an account that cannot make ends meet, and your friend should also dispel the idea of borrowing money from you after understanding your situation.

2 It can be said that the money is just in the **, or the money is just used to buy something. Be clear. When someone asks you to borrow money, there are always all kinds of strange reasons for Hengyuanshan, and when you want to refuse to lend money to others, there is only one reason:

You don't have any money. Prepare some excuses to deal with it beforehand. Because of the situation, you can't refuse very directly, so you can only think of some coping words, usually these situations can be agreed with by the other party, so they can better understand your distress, and they will give up persuading you, and feel that your refusal is not unreasonable.

3. Give advice to the other party or borrow money. First of all, you have to show the other person that your situation is really limited and there is really no way to help him, and then you have to give him honest advice. For example, if you know someone who is good and may be able to help him, you can borrow money from the bank, you can also tell him about the specific conditions, and you can also borrow money online, such as loans, Alipay, etc.

You didn't lend him money, but you helped him figure it out. Not only will he not hold a grudge against you, but he may also thank you for thinking of him.

4 I'm sorry, I've been short on money lately. You can say that you really want to help the other person, but you are really weak and too short of money to help the other person, and you will definitely help if you have the opportunity in the future.

In the daily life of digging, I believe that many partners have been borrowed money to a greater or lesser extent. If the amount of money borrowed is relatively large, then it is likely that the money is gone, and the friends are gone. Many people are very resistant to lending money to others, so they simply don't lend money to others, but how can you tell the other party not to lend them money tactfully and elegantly?

If it is a blunt refusal, it will definitely be embarrassing to lead the other party. Therefore, it is necessary to use some technical means to euphemistically refuse others to borrow money. Let's take a look at these technologies today.

First, 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.

Second: 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.

Third: Reject with hints.

When a friend asks for money, in order not to be emotional, so try not to pick up the conversation, such as: "I'm Yan Sanwei has something to do now, Ma Shan wants to go out for a while, let's come back and talk about it." "I'm busy right now, I'll look for you later." ”

Fourth: 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.

Fifth: Shift 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.

Friends come to borrow money, if you affirm each other's true friends, we really have surplus money in hand now, and it is better to borrow it without hurting the muscles and bones after borrowing, after all, as the old saying goes: emergency is not poor.

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