You think friends who can't borrow money had better politely refuse. If you can't politely refuse, tell the truth. It's better to have a long pain than a short one. It's much better to hurt feelings now than to urge him to pay back the money later. Besides, you took the initiative before you borrowed money, and others took the initiative after you lent it!
1: Adhere to the principle of borrowing money to help the poor. Everyone may be in urgent need of money, so he is very grateful to your good friend for helping him when he is in trouble. This is the truth when he is in trouble. However, if your good friend's financial situation is not good, you should not consider borrowing money, and directly help him out with some small money, which belongs to the scope of giving money.
2. Adhere to the principle that friends can be trusted. You should check the trust of this friend before you borrow money. Once you lend money to others, you should trust your friends. Sometimes he can't decide when he can afford your money, so don't always urge your friend to pay it back, which will hurt your feelings more easily. If I had known this, you might as well not lend it to him.
When a friend borrows your money to invest, if you don't understand the investment, you'd better politely refuse, because after all, the risk is too great, and it is likely that you will not pay it back after borrowing it. That is, you know, you might as well invest yourself, right? But sometimes, if you have to borrow it for the sake of friends' face, then I'll go on.
You have to sign an agreement with him, because oral guarantee can't explain the problem. And the amount should be small, because in case he can't afford it, at least your normal life will not be affected. If the amount is a bit large, you'd better sign a mortgage agreement with him and notarize it. Don't be afraid of trouble at this time, because in order not to bother yourself and get the money back later, it is better to bother now. After all, every penny we earn is hard earned.
5. You think it's better to politely refuse a friend who can't borrow money. If you can't politely refuse, you should tell the truth. Long pain is better than short pain. It's much better to hurt feelings now than to urge him to pay back the money later. Besides, before you borrow money, others will take the initiative. Then don't be scolded by your friends. You can't get your money back. Why bother?
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How to write the loan receipt?
1, just write down the loan amount, repayment time, loan location, borrower and other things related to loan repayment on the IOU, and of course don't forget to write your own name. In addition, if it is not troublesome, the loan amount is large and the loan time is long, it can also be notarized.
2. It is suggested to copy the ID cards of both parties and write the IOUs on the back of the copies.
3. Whoever borrows money from whom should be clear, and must pay in capital, ending in capital, and the amount should come down in one continuous line, such as 5,800 yuan.
4. IOUs are for paying back the money or asking for the proof of what you owe or owe, so don't scribble when writing IOUs. At the same time, the white bars should be well preserved to prevent them from being lost.
5. IOU is a kind of loan voucher in people's daily communication. If necessary, it can go through certain legal procedures (such as notarization) to prevent future troubles.
6. The IOUs must be legible and cannot be altered. In case of change, the changing party shall affix the official seal (private seal) or personal signature at the change place.
7. IOUs generally consist of three parts: title, text and signature.
(1) title
The title of the IOU is generally composed of the language name, that is, the word "IOU" is written in a larger font in the middle of the upper part of the text. Some people write the words "temporarily owed" or "today owed" as the title in this position, but the text of this title is written in the top box of the next line.
(2) Text
The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date.
(3) Signature
Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals.
8. Format: (The debtor had better write)
receipt for a loan
I hereby borrow RMB10,000,000 yuan from a creditor, and agree to pay it off before a certain day of a certain year, and pay interest of RMB10,000 yuan only. (Note: The law stipulates that the interest shall not be higher than 4 times of the bank loan interest in the same period, and the interest higher than 4 times is not protected by law. If the loan and interest are not repaid within the time limit, a debtor shall bear corresponding legal responsibilities. (Note: If the debtor has fixed assets, he can add a fixed asset as the repayment option of the creditor, which is legally collateral. For example, if a (debtor) fails to pay back the money within the time limit, he will transfer the property under his name to a (creditor) to offset the loan.
Lender (or creditor): XXX signature.
Attach ID number.
Borrower (or debtor): XXX signature and seal.
Attach ID number.
Witness: signature and seal
(a person who must have no interest in both parties, such as a notary public)
Any day