How to politely decline a friend s request to borrow money?

It is a science to refuse to borrow money from a friend in the case of discord, and you can say that the apprentice has no money for the time being, and the money makes a lot of money.

are handed over to their own objects, deal with their own objects, and may put money in investment and financial management.

Aspect, well, it's inconvenient to take it out, because you will lose part of your income if you take it out, so you can reasonably go to the interest when you borrow money with your friends, but the interest on your deposit and financial management, so deliberately say a little higher, so that you can borrow money from friends. Tell him he doesn't have any money. Own money ****, saved regularly and so on.

As long as you don't want to borrow, you can always find reasons and excuses, depending on whether you are willing to say it or not. Don't hesitate to refuse, you can simply say what you want to do with your money and inform the situation. Tell your friend that it's hard for you to borrow money right now, but you can help in other ways.

You can tell your good friend the truth, and tell the other party that you really don't have so much money to lend to each other now, so that you can get the understanding of your good friend. When the other party borrows money from you, tactfully state your position and let the other party know what you are doing and where your money is being spent. said that there is no spare money to borrow from the other party, such a refusal, no need to lend money to the other party, you can also get the other party's understanding.

Sometimes, using your wife as an excuse may not be a good idea. Let the other party know that the control of the money is not in your hands, but in the hands of your wife. How can a person who needs to apply for a fee from his wife even for his own clothes have spare money to lend you, right?

Although it will be strictly controlled by others as a wife.

But the money was saved, and the feelings were still there. You can tell him about your current situation and difficulties, and say that you are also difficult. What kind of father needs money, and he also needs money when he finds a partner who is about to get married.

In short, let him understand your situation. I can't affect my life by lending me money. If it's a true friend, he can understand your situation, if it's an ordinary friend, it doesn't matter if you're three-seven.

Twenty-one, even if it affects your life, I will lend you money. You can rightly refuse this kind of friend, and he is also your true friend. No one will be idle and have nothing to borrow money, since he has opened his mouth, it means that there is a difficulty.

You can give him a reason for him. If there is no food to eat due to sudden changes in life, old age and death, of course, you can lend him these things, according to how much you can lend him, according to your own ability, how much you can lend him, and do what you can. Although it may reduce your quality of life, why not let him owe you a personal favor and get a good reputation?

Friends borrow money with high emotional intelligence and euphemistically refuse the following words:

1. Tell her that you have been saving money to buy a laptop, digital camera, etc., which means that there is no money to spare. Or maybe you just used the money for something else the other day.

2. Explain that your funds are used for other purposes, and don't be upset because you haven't lent money to others, as it turns out that it is not only difficult to recover the money after it is lent, but it is also likely to lose a friend.

3. Look at how much you want to borrow, within 200 you can do it, if it's more, you say: I don't have so much, I have used more money recently, I'm really embarrassed.

4. Tell her your difficulties directly, if you don't believe it, show her your passbook, of course, if she still doesn't forgive, such an unreasonable friend ignores it, after all, between friends, you help her, she should also think about you!

5. Clearly said that he was not well off and had to repay the payment. If you want to save face, then you will have such things in the future, and you will be even more miserable!

Refusing to borrow money from someone is obviously uncomfortable, because we worry that opening our hearts will hurt the feelings of the other person. However, if we don't want to borrow money out, we need to find an elegant way to decline the request. Here are some ways to help you gracefully decline someone to borrow money.

1. Euphemistic refusal.

1.Apologize: You can tactfully tell the other person that you can't borrow money to answer because you've spent a lot of money lately and don't have the wisdom to support others.

Tell them you're sorry you can't help them, but you really can't. This will make the other person feel that you are polite and will understand your situation.

2.Make excuses: If you don't want to disclose your financial situation, you can consider making an excuse to say no.

For example, you can say that you have recently invested in some projects and all the money has been spent. Or you could say that you've had some big payouts lately and your own account is tight. These excuses may not seem very righteous, but if you say it beautifully, the other person will not feel betrayed.

3.Express gratitude: Even if you decline someone else's request, you can thank them for their trust and respect for you.

Tell them that you appreciate how much they think of you, but you can't actually help them all the time. This approach can make the other person feel polite and also make them feel comfortable knowing that you value their feelings.

Second, refuse outright.

1.Be honest: If you really can't borrow money, you can tell the other person about your predicament straightforwardly.

Tell them that you have some financial problems yourself and that it is impossible to lend so much money. This approach may be more candid, but you need to be careful not to make the other person feel rejected.

2.Be clear: When you refuse a person's request, it's best to be firm.

Don't give people any chance of ambiguity. Let the other person know that you have thought about it, that yours is resolute, and that there is no chance of change. This will let them know that they don't need to ask again and that you won't feel like you're being perfunctory to them.

3. Other methods.

1.Establish boundaries: Sometimes, the other person won't fully understand your situation, and they will continue to ask you to borrow money. In this case, you need to establish a boundary so that they know that your finances are private and will not consider the issue again.

2.Turn to someone else: If you feel like you can't refuse a person's request, you might consider asking someone else for help. Try asking other people for their opinions, and they may offer some tips or advice that you can use.

3.Don't discuss it too much: Finally, you need to learn to decline other people's requests instead of discussing the issue.

Don't let the other person feel that you don't treat them appropriately. You tell them yours and then end the topic. Even if you want to explain or persuade, don't do it, yours is already clear.

In conclusion, when you don't want to borrow money, you need to find an elegant way to say no. You can choose to be tactful, or direct, and the key is to make sure that the other person knows that your attitude is clear, that you have thought about it and that you have finally made a decision.

1."Thank you for your kindness, but I don't have any spare money to lend you right now. ”

2."I'm sorry, but I still have my own expenses to pay, and I hope you can understand. ”

3."I'm sorry, but I'm reluctant to get involved in our relationship financially. ”

4."If I can, I still hope not to borrow money to avoid embarrassment and disputes. ”

5."I want to help you too, but I feel like we should support each other in other ways. I can give you some advice and guidance on what help you need. ”

6."I'm sorry, but I'm very careful with money management and don't like to lend money to others. ”

7."I'm facing some financial problems right now, and I hope you can understand my situation. ”

8."I feel like we can work together to find other ways to solve your financial problems. ”

9."I appreciate your friendship, but I think borrowing money will affect our relationship. ”

10."I'm sorry, but I'm not a good person who is lenient at borrowing money or borrowing money from others. ”

For example: A friend borrows money, but you don't want to borrow it. You can say, "Thank you for your kindness, but I don't have any spare money to lend you right now." ”

Refusal to borrow money should be clear about the reason, provide other substantial help, and convey the message in a calm and warm manner. It is important to make the other person understand your predicament and make him feel that you care. This expression of empathy can resolve the embarrassment of the other party and retain the friendship between the two.

You can start from the following aspects:

First, apologize. You can say, "I'm very sorry, but the current economic situation does not allow me to lend so much money." This can make the other person feel that you are also embarrassed, not entirely distrustful of him.

Case 1: "I'm sorry, but my current economy can't afford to lend such a large amount. ”

Case 2: "I'm really sorry, I've been experiencing some financial difficulties myself lately, and I don't have any extra money to lend you. ”

Case 3: "I'm sorry to make it difficult for you, but my personal financial situation does not allow me to be the guarantor of this loan. ”

Second, explain the reasons. You can talk bluntly about the current financial pressure and debt situation, so that the other party can understand the reason why you can't borrow so much money. For example, "I myself have been in financial difficulties recently, and I really don't have that much spare money to borrow." But avoid revealing information that is too personal.

Method 1: Be honest about your current financial situation and pressure, so that the other party understands that you really can't afford to lend.

Method 2: Indicate that you also have your own expenses and debts to pay, and you don't have enough spare money to lend to others.

Method 3: If necessary, you can also reveal some of your true financial situation to prove that you really can't afford to borrow, but be careful not to disclose too personal information.

Further, other recommendations were made. In addition to borrowing money directly, you can also recommend other options, such as finding other borrowing channels, applying for loans, and finding friends and relatives to contribute together. This shows that you are also actively thinking about how you can help the other person.

Case 1: "Are you looking for other ways to borrow, such as bank loans?" ”

Case 2: "Maybe you can contribute with other friends and family to share your current financial pressure. ”

Case 3: "If needed, I can help you find other funding agencies or channels to address your current financial struggle." ”

Then, additional support is indicated. If the other party has a strong intention, they can also promise to help in other ways, such as thinking about other solutions together, or providing some help during the repayment period. This can make the other person feel that you care and support.

Method 1: "If there are other areas that need help, I'm willing to offer thought and assistance." ”

Method 3: "In addition to repayment, if you need help in your life, you can always tell me." ”

In the end, imitate the guess and behave decently and naturally. Be calm and natural when refusing, and avoid appearing flustered and indifferent. The tone should also be gentle, and you can say, "I regret not being able to borrow money directly, but I will definitely help in other ways."

This can make the other person feel that you are also embarrassed, but still care about his situation. I believe that if you deal with it carefully, you will be able to hand over a beautiful answer!

When refusing to borrow money from others, you can use the following methods to make your refusal appear more advantageous and destructive:

1.Sincere thanks: You can express gratitude to the other person for their trust and support. For example, "Thank you so much for trusting me, but I don't need to borrow money just yet." ”

2.Give the reason for divination: You can give a reason why you can't borrow money. For example, "I've been having some financial difficulties lately and need to save money. ”

3.Tell the truth: It's okay to be upfront about situations where you can't borrow, such as "I'm sorry, I don't have any extra money to lend you right now." ”

4.Hold for other help: You can say you can't borrow money, but you can help in other ways. For example, "While I can't lend you money, I can do my best to help you if you need help with something else." ”

5.Be polite: When refusing money from others, be sure to be polite and humble to avoid hurting the other person's feelings. You can say, "I'm sorry, I can't help you for the time being, but thank you for your understanding." ”

In general, rejecting someone to borrow money requires being honest and polite, while giving reasons and other help to make your own refusal more graceful.

It can be embarrassing or uncomfortable to refuse someone to borrow money, but sometimes we do need to say no. Here are some tips for gracefully refusing someone to borrow money:

3.It is recommended to call the rock in other ways to help. For example, "I appreciate your proposal, but if you want, we can think of other solutions together." ”

4.Tell the other person that you will consider it, but there is no guarantee that you will be able to lend it to him. For example, "I will consider your request, but I cannot guarantee that I will be able to defer the loan." ”

5.Avoid explicit rejection and instead say that you need time to think about it. For example, "I need to think about my financial situation before I decide if I can lend it to you." ”

6.Be polite and respectful, and don't use offensive language or attitudes. For example, "I don't want to lend you money" should be changed to "I'm sorry, I can't lend you money right now." ”

7.Emphasize that your relationship is more than just money. For example, "I'm grateful for our friendship, but I don't want money to be an issue between us." ”

8.Show that you understand their situation, but you can't help. For example, "I understand your situation, but I can't help you right now." ”

9.Avoid using overly complicated or unnecessary explanations. For example, "My current financial situation does not allow me to lend you money because I need to manage my financial risk." ”

10.Provide other help or support, such as, "I can't lend you money, but I'm willing to help you find other resources or support to help you solve your problem." ”