When an acquaintance of yours asks you to borrow money, do you need to write an IOU?

If you borrow money from an acquaintance, no matter how familiar you are with the other person, I personally think it is very necessary to write an IOU, and the IOU should clearly state the repayment date of the other party. In addition, both parties need to sign and fingerprint the IOU. After you keep the IOU, no matter where you go in the future, you will be able to stand firm and ask the other party to pay you back.

1. Acquaintances are not exempt from this custom, and it is necessary to write an IOU.

If you really plan to lend money to an acquaintance, even if the other person has a very good relationship with you, in order to avoid having financial disputes with the other person in the future, it is actually necessary to write a clear IOU with the other person. of specific content. If the other party cannot understand your behavior, it means that the other party may want to ignore this debt in the future life. At this time, you must not lend money to the other party. After all, the conditions for us to borrow money are not harsh. It is just a matter of business and asking the other party to sign an IOU. This behavior is not excessive.

2. The content of the IOU must be written clearly and the IOU must be kept.

When writing an IOU, there are many contents that are extremely critical. For example, the amount of money you borrow from the other party must be written clearly, as well as the other party’s repayment date, as well as the other party’s signature, fingerprints, etc. Neither can be omitted. If possible, you can also record at the scene and film or record the process of the other party borrowing money. This way, even if there is a financial dispute between you in the future, you can use the evidence to speak for itself. Especially when the amount borrowed by the other party is relatively large, you must learn to protect your rights and interests at this time.

3. When lending money to acquaintances, you need to be careful.

Although we have a deeper understanding with acquaintances, sometimes it is difficult to guarantee that there will be no accidents. After all, there is an old saying: "Knowing people, knowing faces, but not knowing hearts". Therefore, when it comes to money matters, we still need to be more cautious. If the other party has legitimate reasons for borrowing money, and you find that the other party is indeed in difficulty after investigation, you can consider helping the other party. If the other party is purely here to extort your money, there is no need to lend the money to the other party at this time.