Urgently: On the question of borrowing money! The two giant pits of borrowing money, you must know

For the sake of face, don't mention borrowing money. You just ask him to borrow money, and it is impossible for him not to know that he asked you about borrowing money. If he borrows you, you have to say that he will pay it back, but you don't have to pay it back later.

If he said he didn't have any money, and didn't mention that he asked about borrowing money, out of your consideration for face, I look at my brother, then you should die, when you are the last time, he has no heart to repay the money, remember not to borrow indiscriminately next time. But I have a suggestion, if he doesn't pay it back, you just ask him for it! It's him who has no face!

If you change your perspective and others ask you to pay back, are you embarrassed and faceless? Do you think that the other party has no face? So if he didn't mention it, ask him for it!

It's him who has no face, and you definitely won't lose face!

Find a way to euphemistically propose when he and his girlfriend are there, you can pretend to borrow money from him.

Don't save face! If you don't open your mouth, he will never talk about borrowing money from you.

Find him, tell him that you need money now, and if he hasn't remembered yet, you can ask him to borrow 1000

My brother still has to settle accounts, he is shameless, what are you polite to him. It is estimated that you have no evidence that he will definitely continue to pay the bill, you have to stop talking to him, tell him not to pay it back, go tell his parents and shake out all the things of **, I guess he is also afraid, so he will pay it back.

Since he is embarrassed to borrow money and not pay it back, why are you embarrassed to ask him for it? That's your money.

Just say it, if there's anything to be embarrassed about, if you don't give it, ask his parents for help.

If he doesn't want to be ashamed, you will be cheeky and tell him that honest people really suffer from sin.

Be a smart and honest person.

If you want to find money, there are many online channels, especially those with good qualifications.

For example, China Merchants Bank Flash Loan, CCB Quick Loan, ICBC Financing e-Loan, Bank of China e-Loan, Pudong Development Point Loan, and credit card installment loans of major banks.

Mutual financial institutions such as Yiren Loan, Qudian, Paipai Loan, Lakala, and Money Station like you even more.

So, it's easy to borrow money now, but there are also a lot of pitfalls.

One of the pitfalls of borrowing money: hiding the true interest rate.

In terms of interest rates, financial institutions have come up with various ways to prevent everyone from seeing the real interest rate. For example, ants borrowed the first to use daily interest to measure**; For example, the handling fee of installment repayment at the bank credit card center; For example, the "cut interest" of mutual finance institutions borrowing ......It's best to compare clearly before borrowing, especially those who want to borrow "arbitrage", don't be woolened by institutions.

The second pit of borrowing money: credit investigation has been checked many times.

More than a year ago, Xiao A's loan to buy a house was not approved, and the account manager told her that the reason was that she had recently "done a loan approval at WeBank". In fact, what is even more tragic is that she only checked the micro loan limit, and did not borrow money at all. In the end, the bank asked her to issue a certificate of "no loan" from WeBank.

Now, it's fairly easy to borrow money. There are many ways to buy a mobile phone, whether it is in installments at the time of purchase or borrowing cash first and then buying it. For example, there are n kinds of borrowing methods on Alipay, such as Huabei borrowing, like Zhaolian, Baoyin, etc. (Alipay's new three borrowing products are more favorable than borrowing interest rates).

However, the credit behind it is also easy to be "trampled" by us, at present, many consumer finance companies and small loan companies will borrow on the credit, and even Jingdong Baitiao and Ant Huabei are about to go to the credit investigation.

Therefore, the credit record has become a spring grip pit that we are very easy to step on. A credit manager of a bank once said, "For example, if a person has too many credit records that have been checked by the bank, if the record shows that there are too many inquiries about the loan application (regardless of whether the loan is approved in the end), basically cannot apply for a mortgage."

It is not difficult to borrow and repay, as long as he can repay, if I have the ability, I will be willing to borrow him, after all, everyone is short of money, and when they need money urgently, everyone has a difficult time. If you only borrow and don't pay it back, then don't borrow.

The key depends on your own mood, if you are willing to help, you can help, if you don't want to help, you can not help, help you is a favor, not help you is reasonable, help you is a feeling, not should be with duty.

You can't borrow, the principle of borrowing money is that if you don't pay it back, it's hard to borrow again.

About borrowing money: 4 necessities for borrowing money, 4 principles for being borrowed.

Just hit ** and let him change money, if it doesn't work, sue him.

There was no way, you were too naïve. Is there any witness evidence??? Bank records can only show that you gave him money. Others can still say that he borrowed you from you before to repay the debt. Let's look at the character.

It's simple, just say it, or make an excuse and say you're going to use the money.

You haven't even hit **, so you came here to ask ......

Here's the answer:

In any case, to be clear about the relationship between creditor and debt, even if it is a boyfriend or girlfriend, it is better to write an IOU. Just in case.

Inquiries are available.

It is very correct to have an idea, the idea is very good, the boyfriend belongs to the boyfriend, the creditor's rights and debts must be clarified, so as not to have some unnecessary disputes in the future, if necessary, you can call directly, I can draft on behalf of you, please click to adopt if you are satisfied.

In this case, it is indeed necessary to clarify the creditor's rights and debts, and the husband can be required to issue a written IOU, if it is not appropriate or impossible, it can be recorded, but it is necessary to pay attention to the recording skills.

Make it clear to him and ask him to write an IOU.

Hello, if it is not easy to write an IOU, just record a voice and pay attention to the organization of the content.

I'm a foreigner, I'm from Henan, my boyfriend is from Hunan, I used to be ignorant and did a lot of things wrong, he tolerated me, but I don't want to give him this money, I want to leave the money to my parents, but I don't know how to speak, how can I ask him to get this money back? I still don't trust him very much, I've been deceived once, so this time I'm afraid of being deceived again, but he's really good to me.

In terms of human feelings, it should be fair and honest, and borrow as much as you want to repay (only more, not less).

From a legal point of view, the people's court should determine the actual amount lent as the principal.

Attachment: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 27 The amount of the loan indicated in the IOU, receipt, IOU and other creditor's rights vouchers shall generally be determined as the principal. Where interest is deducted from the principal in advance, the people's court shall determine the amount actually lent as the principal.

Obviously give 100 to others, but they say they received 1 yuan, then you say you won't borrow it.

Have you watched Zhao Benshan's sketch "Just Bad Money"? (Note, not "Not Bad Money").

Whether he's joking or notGrab it back, don't borrow it

Borrowing 100 and paying back a dollar can be very cost-effective hahaha.

Hahahaha. Do you dare to borrow a hundred from others anymore?

This is your classmate, you love to joke, this is your iron.

In private lending, to prove the existence of a lending relationship, it is an IOU or an IOU.

There is a one-word difference between an IOU and an IOU, but there is an essential difference:

1. The causes are different.

IOU: The reason for the occurrence is clear and specific, and the two parties have a loan relationship.

IOU: There are various reasons for this, and no one knows what the specific reasons are.

2. The meaning is different.

IOU: A voucher for borrowing money and is the simplest agreement between the parties. For cash borrowing, it is necessary to write both an IOU and a receipt.

IOU: It is a voucher for settlement, reflecting the creditor's rights and debts between the parties.

3. The legal effect is different.

IOUs: The legal probative force is stronger than the IOU. When borrowing, write an IOU, never an IOU. If the parties transfer money electronically, the chat record contains the three major elements of the IOU (invitation, loan amount, and oral promise), which can also be admitted as evidence of the IOU.

IOUs: Weaker legal probative than IOUs.

4.The statute of limitations is different.

7 pitfalls of IOUs.

1. Change the amount of the IOU. Solution: Write a higher letter number after the amount number.

For example, Xiaohua borrowed 80,000 yuan from Xiaoniu, and then Xiaoniu sued Xiaohua for 280,000 yuan, and Xiaohua only borrowed 80,000 yuan, but 2 was added in front of it, and it became 280,000 yuan.

2. "Borrow today" and "borrow today". Countermeasure: Missing the word "to", borrowing today means that the lending relationship has been established, and borrowing today means that the lending relationship may not be established. The law protects a lending relationship that has already been established.

For example: "Xiaohua borrowed 80,000 yuan from the calf today" and "Xiaohua borrowed 80,000 yuan from the calf today". There is a difference between these two statements. Xiaohua may borrow 80,000 yuan from the calf today, but the money has not yet been given to the calf. Xiaohua borrowed 80,000 yuan from the calf today, and the money has been given to the calf.

3. "Arrears" and "Arrears".Countermeasures: Do not use the word "also" when typing IOUs, as this "also" is prone to ambiguity.

For example, Xiaohua borrowed 80,000 yuan from Maverick and set up a note, and then Maverick repaid 30,000 yuan, tore up the yuan IOU, and re-established the IOU: "Xiaohua borrowed 80,000 yuan from Maverick, and now owes 50,000 yuan", and now owes 50,000 yuan, which is understood as: 50,000 has been repaid, and in fact 30,000 yuan has been repaid.

4. Deliberately write a wrong word on the IOU. What to do: Check your ID card and write your ID number.

For example, Xiaohua borrowed 80,000 yuan from the calf today, and wrote someone else's name at the end of the IOU, or deliberately made a mistake. "Little flower" is written as "small." ”

5. I don't write the IOU. The countermeasure is within their own line of sight, and the borrower is required to write an IOU on the spot.

6. Both the lender and the borrower should be indicated. If the borrower is not written, if the IOU has been lost, the third party can claim rights with the IOU.

7. Use your own pen and ask the other party to write an IOU. Prevent IOUs written by the other party with an autofade pen.

IOU refers to the borrower's loan voucher written by the borrower to the investor, generally speaking, it is the IOU written by whoever borrows the money, and the content format is, today borrowed to a certain comrade, how many yuan is RMB, scheduled to be returned on a certain date, the bottom link has the signatures of both parties, according to the fingerprints, etc.

IOU refers to the voucher written by an individual or unit to the relevant unit or individual when it owes money or property, generally speaking, it is not borrowed first, and the arrears incurred in the course of business are issued by the debtor to the debtor.

An IOU is money not received, and an IOU is money received.