If you borrow money from relatives and friends, what principles should you know?

Borrowing money must be repaid, especially for relatives. You can specify a date for repayment with relatives and friends. Friends lend you money because they trust you, and it is right not to lend you.

The old man often says that "the brother settles the account", which makes sense, not because of the money, which affects the feelings, and also because it is a relative of his own family, so he does not feel in a hurry to repay, it is a love to borrow money, not to borrow is a duty, and it is not a matter of course to borrow money because of relatives.

Write a relevant guarantee to ensure that the loan will be returned within a certain period of time, and you will not be able to default all the time and damage your credit.

If relatives are always asking for things from them, it is advisable to consider the situation rationally and objectively and respond appropriately. Here are some possible suggestions:

1.It depends on the situation: analyze the specific situation and choose the appropriate method. If you are able, willing, or able to help a relative, you can show that you are willing to help.

2.Refuse: You can politely refuse a relative's request, for example, if you are in trouble or have financial constraints.

3.Ignore it: If a relative's request for something is excessive or extreme, Fool can consider ignoring it or resolutely refusing it.

4.Maintain your bottom line: Don't give unrestricted because of your relatives' relationship, and don't let your relatives' demands bring you a burden or even trouble.

Before making any decisions, ask yourself if you have the ability and willingness to help them. If so, then choosing the right way to help will be better for both parties. If the meditation is not available, then honestly refuse, not only to avoid unnecessary trouble, but also to maintain the relationship between the two parties.

It is important that when dealing with problems, he should make wise decisions based on his actual situation and feelings.

If relatives are really in trouble and urgently need money, according to your economic conditions, under the premise of not affecting your quality of life, you can borrow something, if you don't feel at ease, you can borrow less, if your relatives have been borrowing money to live or take money to do improper things, you must not borrow, even if you are offended, do not borrow, in short, borrowing money is voluntary, it depends on yourself.

The closest thing in a person's life is his immediate family, parents, brothers and sisters, wives and children, etc., as for other relatives, they can only do what they can as they said upstairs, and maintain their understanding of the New Year's holidays.

When borrowing money, you should also consider what he is borrowing money for, and also consider his character, and you can't borrow as much as possible.

I refused it without borrowing it for a reason. Because now it is a grandson who borrows money, and when he repays the money, he becomes a grandfather, and the example in front of him is scary.

If you are very honest but really need it now, you can also borrow it, even if he can't afford to pay it back.

"The borrower and the borrower are usually empty" is exactly what the saying goes...Eh, you still take the money a little seriously, and the kind that is not repaid in half is not suitable for ordinary people, and it is understandable to borrow or not.

Now that they have entered the commodity society, du can listen to them borrow money

In a word, it has already given them DAO face, to the version.

To borrow money specifically, you must go through the necessary right procedures.

1. There must be a pledge, without collateral or guarantee, there is no guarantee of repayment, and it is not easy for anyone to make money! If you don't ask for repayment, then give it away, and since you want to borrow it, you have to pay it back.

2. To negotiate interest, if there is interest in the bank, if there is no interest loss, who is it? So the interest rate has to be higher.

3. You can't make notes, you must have witnesses, and you must sign a loan agreement.

1. See if he has the ability to repay the money. 2. See if the purpose of his borrowed money is reasonable. 3. Remember to write an IOU.

4. Pay more attention to his financial situation, because it is difficult for you to get it back if you can't repay the money borrowed by your relatives. 5. The matter of interest should be discussed more, because your money is your own, and you have the right to ask for interest.

Money transactions are the most emotional, and if he is very conscious, he can certainly borrow it. Otherwise, it's better not to borrow, but don't cry poor and disgusting.

Let's see if BAI has repaid the DU first

heart, and then see if there is the power to repay. zhi

The most hateful thing is not that you can't pay back the DAO money, but that you have money and refuse to pay it back, you are right.

If you want to repay the debt, if you make a note and he still won't pay you back, do you want to fight a lawsuit with him, why bother to do it, it's better to cry poor. It can be said that I also have a place to use money, and I don't have any spare money. If you pledge, you can consider it, haha, it's not pleasing to the eye, hahaha.

You can borrow or not, depending on your financial situation; And the purpose of borrowing money from relatives tells you no! Some should be borrowed, and some should not be borrowed.

Generally, you don't borrow, but depending on the friendship between you, you can borrow the kind you don't need!

A specific analysis of the specific situation depends on the person's situation.

Don't borrow from anyone, you can say you want to borrow money too...

It depends on whether the situation is urgent and the integrity of the relatives.

If the other party borrows money to save the emergency, such as saving lives, dao can consider borrowing, and everyone has difficulties in Bi Edition.

Clause. 1. The purpose of the loan should be legitimate.

Clause. 2. Sign a written loan agreement.

Clause. 3. Timely prosecution should be made in case of overdue repayment.

Clause. 4. Require the borrower to provide a guarantee.

Fifth, the maximum interest rate shall not exceed 4 times the interest rate of the same type of bank loan.

Clause. Sixth, the repayment must have the relevant procedures of Ming Peizhou Tongqing.

Legal basis: Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that if the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

If it is a loan relationship between relatives, then there will be a sense of trust here, which will be much lax in the process and vouchers than ordinary loans, which actually lays a hidden danger for future disputes. Once the other party fails to pay it back within the time limit, it is difficult for relatives to use a strong way to ask for it, and the final result is that they suffer a dumb loss. So what should relatives pay attention to when borrowing money from each other?

Let's find out.

1. Since they are relativesFor people who have a bad reputation for their character, they would rather be offended in advance than cause trouble and regret it afterwards, otherwise they are depressed by themselves.

2. An IOU must be written。Although it is said that talking about money hurts feelings, but since it is a loan relationship, as the saying goes, empty words have no evidence, and the word is based on it, if you don't mention the IOU when you borrow money, the pain when you repay the loan is yourself, and the relatives who have a good relationship will not affect the feelings because of this, after all, it is borrowing money and not asking for money, it is to be repaid, and playing an IOU will not affect the borrowing money, and the IOU must be written in accordance with the regulations, indicating the interest rate and term.

3. Count the money in person。It is recommended to borrow money by transfer, and it is very convenient to use mobile phone online banking now, mainly to keep a record, so as not to admit the account in the future, and the number of loans and repayments should be counted, verified to be true or false, and do not ask someone to do it on behalf of you. After the repayment is completed, the borrower should ask for the IOU in time or ask the other party to leave the receipt.

4. It is easy to borrow and repay, and it is not difficult to borrow again。No matter how big the reason, you should repay the loan in time, and if you really have difficulties, you must explain to the other party and obtain understanding, and you must not rely on the debt and avoid it. Otherwise, you will ruin your reputation, and you will be the one who suffers in the end.

Finally, I would like to remind you that the IOU is the most direct evidence of the lending relationship, and without this evidence, it is very troublesome to prove the lending relationship between the two parties. Because once a civil dispute enters the litigation process, then it is important to pay attention to evidence, and without evidence, it is very likely to lose the lawsuit.

1. Whether the immediate family members are on the right path and self-motivated to judge whether they are worthy of help.

2. Whether the use of the money is positive and positive.

3. I helped to find out the problem once, whether there was a family meeting, and explained the matter clearly in front of all relatives and friends.

4. Whether it can withstand the pressure of moral kidnapping in society.

Let's take a look at Ma Yili to participate in a show to express her views on borrowing money: Today's Ma Yili can be said to be worth more than 100 million, but she never lends money to relatives and friends. Ma Yili said that she has never borrowed money, including her relatives, friends, girlfriends, etc., Ma Yili said

If it is under ordinary circumstances, if it is not an emergency, it is absolutely impossible to save the poor.

As the saying goes: "Saving the emergency does not help the poor", just a few simple words, but it contains great wisdom. Through Ma Yili's expression, we find:

1. Rescue the emergency is not to help the poor, everyone's wealth is not falling from the sky, they have to rely on their own hard work to fight back, if your younger brother himself is easy to eat, idle, you know that you gnaw the old, no money to reach out to your parents, brother to ask for money, it is not worth helping.

2. Teaching people to fish is not as good as teaching people to fish, giving money can only solve a temporary need, you can't give him money for a lifetime, it is more to cultivate his brother's ability to make money, find a way to make money, help him to support himself, and earn wealth by his own continuous learning and hard work.

Finally, to sum up:

1.As for the money you give to your parents, because your parents love your brother and give it to your brother, it is your parents' choice, and you don't need to care.

2. Organize family meetings and explain your principles and bottom line clearly in front of your parents, patriarchs, and younger brothers.

3. Rescue is not to help the poor, as long as it is not an emergency, nothing else will be given.

4. It is better to teach a man to fish than to teach him to fish, and help his younger brother to make him self-reliant.