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There are too many things about borrowing and repaying money, but because of borrowing and repaying money, how many relationships have been ruined. High Quality Custom precision small metal fabrication
Some people say that money is the touchstone of relationship. Money can make people’s relationship closer, and it can also break the relationship in minutes. When borrowing money, everything is easy to talk about, the big brother is the big brother and the big brother is behind; when repaying the money, he turned himself into an uncle, no matter how others urged him, he just refused to pay back.
The Jews are best at wealth management. They have a wise saying: Don’t lend money to your friends, unless you don’t want this friend anymore. In real life, many friends are unhappy because they do not repay the borrowed money or fail to repay it on time.
Regarding borrowing and repaying money, you really need to have some principles and techniques; you must not offend others, and you must avoid falling into a passive state.
Li Qiang encountered such a bad thing.
A colleague who has been with him for many years asked him: “Li Qiang, lend me some money, I need it urgently!” High Quality Custom precision small metal fabrication
He opened his mouth and asked, “How much do you borrow?” His colleague said, “I’m still 50,000 short of buying a house. Can you lend me 20,000?” Reluctantly agreed to lend him 10,000 yuan.
He asked: Can I borrow some more? I have borrowed everything I can, and the only difference is tens of thousands! Li Qiang hesitated and said, let me think again.
In the end, Li Qiang still didn’t lend him another 10,000 yuan, because he had to save some for himself, and lent him without reservation in case he needed it, which would be troublesome.
Li Qiang has already lost from the first sentence “How much do you borrow?” No matter how much you give the other party, the other party will not be satisfied.
When someone asks you to borrow money, if you rush to ask “how much to borrow”, you will lose, as wise people say.
One: What do you want money for? Ask the reason for the loan first.
One of the most important principles of borrowing money is to ask why. If the reason is right, you can help as much as you can; if the reason is not right, you can’t borrow a penny. High Quality Custom precision small metal fabrication
This kind of person who borrows money to invest and increase in value should not borrow; he did not buy a house for the appreciation of his own assets. Who has money and doesn’t know how to invest in real estate in good locations. You ask yourself how many houses have you bought? Why should he borrow your money to make money.
I think that this kind of borrowing money to buy a house, car, or investment should not be borrowed; if he makes a profit, he can’t get a share of your profit. If he loses, he loses your money, or your money will not come back.
The only money that can be borrowed is emergency!
One is to save a life, the person is in urgent need of money in the hospital, and if the relationship is in place, you will do your best; the other is to use it for emergency rescue. You know the details of the other party, and he is fully capable of paying you back the money.
There is an old saying that “rescue the emergency but not the poor”. If you lend money to the poor to live, his life will only become poorer and poorer. When he has money to spend, he will not think of ways to earn it. High Quality Custom precision small metal fabrication
Two: If you can’t borrow it, you should politely refuse it.
Refusing the other party’s loan request is also a technical task. If you refuse not tactfully enough, you will directly hurt your feelings, and even turn against each other.
Many people think that the relationship between you is strong enough, no matter what you borrow money for, he can borrow it.
The fact is that everyone is short of cash. As long as they have some money, they will think about investing it in other industries and let money make money.
For example, if the other party wants to borrow money to buy a second house, you say, I just want to change to a bigger house, and I want to borrow some money from you.
What a coincidence, brother, I still owe money to the bank here, and I have to repay the loan on time every month. I really don’t have any extra cash to turn around.
Lending money to others is a matter of affection, and not lending money is a duty; if a person gets angry or blames you because you don’t lend him money, then there is no need for this friend to continue dating.
We must treat every penny of our hard-earned money with prudence, borrow money that can be borrowed, and hold on to money that cannot be borrowed. This is to be responsible for the fruits of one’s own labor, and also to be responsible for one’s own family.
It doesn’t make any sense to slowly alienate “friends” who don’t repay the loan or turn against you because of the money.High Quality Custom precision small metal fabrication