1, no money to pay back
Such people have a weak economic foundation and poor solvency. They usually have no money to repay after borrowing money, so they borrow money from their master and return it to Jia Xi. Once Jia Xi can't borrow money, they can't pay it back. Most of them borrow your money with unyielding tongue and perseverance, playing warm cards, sad cards, moral cards or interest cards. After borrowing it, it's not that he doesn't want to pay it back, but that he has no money to pay it back. If you want debt, he will have an attitude of asking for money instead of money.
For those who have no money to repay, be sure to find out his debt repayment ability before borrowing. Once he is sure that he can't pay back the money, even if he says that all the stars in the world are the sun, he can't lend him money. He must be heartless. Don't be fooled by his emotional cards. If you think he sold you his feelings and you are still willing to lend him money, then don't want to collect money again.
2, still can't afford it.
Such people have a certain economic foundation and a certain ability to repay debts. But they only lend you money to relieve their stress. As long as his pressure is not relieved, it will be difficult to get your money back. To give a simple example, a white-collar worker has a house, a car, a wife and children, but in order to repay the mortgage, car loan, wife loan and children loan, he has no money to pay you back, so he is willing but unable!
You don't charge interest for those who can't pay their debts. You can get the money back by installment. As for whether to borrow it in the future, it depends on your own determination. Do you still trust him?
I don't want to return it.
People who don't want to pay back the money either have no money or really don't want to pay back. They have a famous slogan, "Why should I pay you back the money I borrowed?" There are many reasons why such people don't pay back the money, and they also say that they are full of righteousness! Many people who borrow usury on the Internet just want to borrow money instead of paying it back, deliberately borrow money from various platforms, and then would rather die than pay it back.
For those who don't want to pay back, there are only two ways to deal with it: one is to sue him for paying back the money through judicial procedures; Second, he is more rogue than him, forcing him to pay back the money by all despicable means.
Finally, I want to say: it is best not to lend money to others. Lend money to others according to your own ability, don't borrow more, you can test a person with a little money, even if he doesn't pay back the money, the loss is small and can be borne; Finally, lend money to others, not for profit, otherwise you will not get profits, and you may not get your capital back.
There is a good saying that if you want to break up with him, lend him money. Now some people want you to lend them money. Come to the door again and again. Ask grandpa to tell grandma. I can't wait to kneel down to you. Once you lend it to him. Don't pay back when it's due, don't answer the phone, avoid you. I answered that sentence and the money went to someone else until someone else had it.
An experienced person, no matter how good it is now, will not lend it out. Let's talk about it
First, I can't afford it. This may also be a big reason. For example, people here owe you a little for building a house, and then they don't have much money, so they build a house for you. Then when they can't make ends meet, others can only ask for it, and they can only have the cheek to delay again and again.
Second, I can afford it, but I can't afford it yet. Just like many business people, others owe money, and he owes money to ask others for materials. He has some money and is worried that he will have to pay for the next batch of materials. Therefore, he is helpless and can only delay.
Third, some people who don't want to pay back the money are lazy, thinking about how to get the money and never thinking about paying back the money. I once met a man who borrowed money everywhere. No matter how much it cost, everyone came, and he didn't lose face, so he was shot.
So, there are many reasons. Faced with the pressure of life now, some are forced by helplessness, and some are personality problems. In short, borrowing money is risky, so think twice before you act!
I think there are two possibilities, one is that he really has no money to pay back; Second, he has money, but he doesn't want to give it back to you immediately, so he won't give it back to you readily. He wants to tie your neck! Some people are so mean!
The ancients said that borrowing money means spending money to buy enemies for yourself. Now, this seems to make sense.
I usually watch more news and find that many people scrimp and save, and their hard-earned money is either cheated by swindlers or lent to relatives and friends! The result has been several years, and the money can't be collected! Lend money to others and you can't get it back. What's the difference between this and money cheated by swindlers? We must learn to refuse and not borrow money.
In today's society, under normal circumstances, the money we lend is often not collected in the end. Not only is the money gone, but friends also have nothing to do. The economy suffered losses and the spirit suffered a blow. This is a double blow plus damage. It certainly hurts us to see our hard-earned money cheated away by others. Who knows all kinds of grievances?
They are always looking for various excuses, withholding our money and trying to illegally occupy our hard-earned money. He did not say that he would not pay back the money. Nowadays, people are very cunning, and he has been dragging you around, never paying back the money! When you went to ask him for it, you not only looked humiliated, but he was also very arrogant, saying that there was no money to pay back now. In short, all kinds of excuses, in the final analysis, are people with ulterior motives and don't want to pay back the money!
If a person wants to pay you back, will he find various excuses to keep putting it off? Of course not! He has been procrastinating, often not because he has no money to pay you back, but because he doesn't want to pay you back at all and wants to illegally occupy your hard-earned money!
We must firmly remember that learning to refuse is an important lesson in life and a major event related to your happiness in life!
As the saying goes, more is better than less! Therefore, we must not rock the boat and mind our own business! Imagine, if the opposite party asks for money from itself and we refuse to borrow it, is there any trouble behind it? A lot of trouble is your own fault, don't catch lice and bite!
We should learn to refuse, so how to refuse?
First, learn to keep a low profile! As the saying goes, if you are not afraid of thieves stealing, you are afraid of thieves thinking. We should keep our mouths shut and keep our money secret. Don't let others know that you have money. Often people will come to you for money as soon as they hear that you have money.
Often such people are not prepared to pay back the money in the future. Often after he borrowed money, he found that he couldn't pay it back later.
This kind of people often lack the ability to earn money, and naturally they can't afford to pay back the money. If you lend money to such people easily, nine times out of ten you won't get it back. This is no different from wasting water. Be mentally prepared. If the other party doesn't pay back the money, you won't feel so wronged and cheated.
In this world, there are not many people who are truly capable, reliable and trustworthy. So how can you trust a person with bad credit and unreliable?
Second, when someone borrows money from you, you say that you have a lot of expenses to support your family, or that your money has been invested and you have no money to borrow. In a word, no money to borrow! If you don't lend money to others, can others take it from your pocket?
If you don't lend it to him, he will try to do it himself or lend it to others; If he can't borrow money easily, he will have to earn money by himself.
Once he can borrow money easily, he will keep borrowing money and look for people to borrow money everywhere. If he can't get it by then, he can run away. As the saying goes, more debts don't worry, and more lice don't bite!
Some of us may have had the experience that you lent him money and he was in arrears for a long time. When you ask him for money, it's urgent. He will delete your WeChat, blacken you, delete your buttons and blacklist your phone number. In short, he just won't let you contact him. What should you do in this situation? You are almost powerless to fight back, helpless! If there are no IOUs or IOUs, even if you sue him in court, he can bite to death and say that there is no such thing! Then what should you do?
So you must learn to refuse, and don't lend your hard-earned money to others, so there won't be any shit later!
In short, it is best not to borrow money. If you do this, you can save a lot of troubles in your life!
This is still personality problem. Some people borrow money and have the ability to pay it back, but they don't pay it back. If they can, they will delay it. If they can, they won't pay it back. They don't talk about honesty and the spirit of contract. For this kind of person, you have to go to court and make him pay the price of not being honest.
Borrowing money and not paying it back, I analyze it from the following aspects.
First, there is no money.
Many people borrow money not temporarily, but when they are poor Now that you are poor, you can't suddenly have money in a short time. Since you are poor, you can't afford it. This is normal.
Second, the weakness of human greed is to give up.
After borrowing money for a period of time, they have money, but in terms of repayment and consumption choices, many people are reluctant to pay back the money first in order to live a tight life, but choose to spend the money that should have been paid back. Take Spring Festival travel rush as an example. I owe my friend 500 yuan, and I have 800 yuan. I paid my friend back, and it was hard to go home for the New Year, so I didn't pay it back first. After the Chinese New Year, if there is a big consumption, it will be spent first, and it is difficult to pay it back.
Third, people are increasingly short of money.
As time goes on, people will be more and more short of money. So it is more difficult to pay back the money. For example, I just graduated and borrowed money. A few years after graduation, you have to buy a car, buy a house and get married. The old people at home have to take care of them, and they may have to build a house at home. Married children need money. So money is always tight. Creditors don't chase, they can delay.
Fourth, there is no sense of honesty in paying back money.
Some people still keep saying that if you borrow money by your ability, why should you pay it back? No, what else can I do? Such a person's conscience is really worse than that of a dog, and he always has to pay back when he comes out to mix.
Fifth, the chain reaction of nausea cycle.
Special business, borrowed money from others, others owed him. He thought to himself, no one will pay me back. What if I don't give it back to others?
To sum up, if you borrow other people's money and others don't chase you, it is to give you face and don't want to expose your face of not paying credit. If someone borrows money, don't be afraid of losing face and don't pursue it. It is your duty to pursue it. Don't think of hundreds of dollars when others chase you to pay back the money. Aren't you afraid to return what you're chasing? Don't borrow if you can, or pay it back in a second.
First, these people who borrow money and don't pay it back are not people.
Second, these people who borrow money and don't pay it back are bullying borrowers, knowing that borrowers are incompetent and cowardly.
Third, some of these borrowers have really not paid off their loans.
Fourth, these borrowers are lazy.
5. If not, ask Ta to find someone. A: Is that all right? )
Borrowers must be the ones who are most worried about not paying back the money! So what is the psychology of those who borrow money and don't pay it back? We analyze it from the following aspects.
1, not yet
This may also be a big reason. For example, people here owe you a little for building a house, and then there is not much money. Then when they can't make ends meet, others beg for it, and they can only have the cheek to push it off again and again.
2. I can afford it.
But they can't afford it. Just like many businessmen, others owe money, and they also owe others money for materials. They have some money and are worried about the next batch of materials. Therefore, they are helpless and can only delay.
I don't want to return it.
Some of them are lazy. They only think about how to get money and never want to pay it back. I once met a borrower who borrowed money everywhere, whether it was 1200 or 1200. Whoever came to them was shameless and shot.
4, the weakness of human greed, unwilling to give back.
After borrowing money for a period of time, they are rich, but in the choice of repayment and consumption, many people do not want to pay back the money first, but choose to spend the money they should have paid back.
Take the Spring Festival for example! I owed my friend 500 yuan, and I paid my friend back 1000 yuan. It's hard to go home for the New Year, and it's hard to pay it back without paying it back first.
People are increasingly short of money.
Over time, people will be more and more short of money, so it will be more difficult to pay back the money. For example, they borrow money just after graduation, buy a house, buy a car and get married a few years after graduation, and the elderly at home have to take care of or build a house. Married children have to spend money, so money is always tight. If the creditor does not pursue it, it can be delayed.
So, there are many reasons. Faced with the pressure of life now, some are forced by helplessness, and some are personality problems. In short, borrowing money is risky, so think twice before you act.