Someone wants to borrow money from you.

Someone offered to borrow money from you.

You immediately ask, "How much do you want to borrow"?

That's too low-level. First, the pattern is small, and second, it is easy to be biased by the other side because it does not take the initiative.

The principle of borrowing money: ask him the purpose of borrowing money.

If the purpose is purely reasonable, help as much as possible; If there is a bad reason, don't borrow a penny.

Generally speaking, there are the following aspects:

First, the poor lazy people shouted to save the poor.

As the old saying goes, "If you are in emergency, you will save the poor". Lending money to the poor to make a living will only make him poorer and poorer. Money comes too easily, which will further reduce his motivation and driving force to make money.

There is nothing wrong with this sentence.

Second, people who want to borrow your money to increase their investment value but refuse to pay reasonable interest should not borrow it.

I have money and want to invest. Why do you use my money to make money for yourself, but I'm not good?

I also have the risk cost that I can't get back and the opportunity cost of making money myself. I will lend it to you because our relationship is better. Why?

Third, people who want to be in emergency should go through the formalities of borrowing money. If the other party's family is in urgent need of money in the hospital, they are eager to use the money for capital turnover, and they will collapse if they don't lend it to him.

Such a person can borrow it if he has a good relationship with him, but he has to complete the relevant procedures, such as writing an iou, ID card, name, signature, photos and so on. Protecting yourself is also reminding him.

The second point to pay attention to when borrowing money is that if you don't lend it to him, you should politely refuse.

We all live in a real human society where countless people are intertwined, and we should consider all aspects when considering problems.

If your refusal is not technical enough and tactful enough, it may directly hurt feelings and even turn against each other.

Because, quite a few people think that as long as the relationship between the two sides is hard enough, money can definitely be borrowed, otherwise it will not be enough brothers and sisters.

In view of the above three aspects, let's talk about how to politely refuse.

First, poor lazy people borrow money, and you should cry for poverty. Look, I look good, but I'm in debt. How many loans I have to repay every month is negative, and I can't last for a few months. You should put facts and list specific data to enhance your credibility.

Brother, unfortunately, I still have a lot of bank loans to repay, and I have to repay them on time every month to improve my credit. There is really no extra money to turn around.

Second, people who refuse to lend you money to invest. For example, if the other person wants to borrow money to buy a shop, he says, Ah, I want to change to a bigger house and borrow some from you.

Third, our money is not blown by the wind. For money that cannot be borrowed, we must keep the bottom line. This is not only responsible for yourself, but also for your family.

If a person breaks up with you because you don't lend him money, this friend doesn't matter.

People who borrow money and don't pay it back, people who turn their backs on their money, stay away when you see it clearly.

I hope it inspires you.

Please leave your valuable comments below.