How to refuse to borrow money in one sentence?

Once my friend borrowed money from me.

I asked him: What's the use of borrowing money?

He didn't tell me why for a long time.

I said, that won't do, man. I have money now, but if I lend it to you, I need to know where my money is spent and whether it is worth it, right?

Later, when he stopped moving, he told me: Last year, he borrowed money from others, and his creditors were in a hurry. He also said that if he didn't pay back the money, he would go to his house and ask for it!

Hearing this, I said, brother, you are robbing Peter to pay Paul! What you have to do now is to explain the situation to the creditors and give them more time. At the same time, you should work hard and pay back the money, so that others will believe you when they see your efforts.

So I can't lend you this money. If I lend it to you, it will hurt you, not help you, okay? Think for yourself, brother.

How to gracefully refuse others to borrow money?

one

"Brother, something came up at home. Can you lend me $10,000 for turnover? I'll pay you back later!

This sentence seems to be a request, but it is actually a threat.

"I really don't have much spare money in my hand. Is 3 thousand enough? Pay too little and you don't have enough friends.

"Why don't you give me an IOU"-you don't have enough friends to owe me an IOU.

"Then you invite me to dinner for a few hundred dollars more"-you are not a friend enough and ask for benefits.

"When can you probably return it? There is a place to ask for money in the second half of the year ~ "-you are not enough friends and can't pay back the money.

No matter what kind of reaction you take, as long as you don't unconditionally promise to borrow money, you will be regarded as not treating your friends as friends. Isn't this blackmail?

I don't want to make friends that threaten me.

two

I still remember the plot in the urban drama Ode to Joy, which was popular in the circle of friends and WeChat official account a while ago: Fan's father was ill in hospital and needed money for treatment, and Fan borrowed all his friends. Borrow from classmates, borrow from ambiguous men, ask the company's finance for an advance salary-still no one lent her money. At that time, Fan's father was seriously ill, and there were three people who were able to pay: Qu Xiaoyu, a rich second generation, Andy in the workplace, and Wei Wei, a private entrepreneur.

"I can lend you money, but I want to talk to you about mortgage and interest. In the end, Wei Wei came forward and promised to borrow 65,438+10,000 yuan with Fan's real estate license as collateral.

Why Wei Wei, not Qu Xiaoyu or Andy? Because only Wei Wei is not a true friend of Fan, and only in this way can we talk openly about conditions and interests.

three

A friend who is a bank loan officer told me that borrowing money from a friend is essentially treating friendship as credit that can be advanced. If you follow the bank's loan approval process, I need to verify your repayment ability, depending on your salary, real estate and car output. And for a person who can't manage his cash flow at present, how can I expect him to manage his cash flow in the future and return the money to me on time? Now you want me to lend you money without interest. In this way, you won't treat me as a friend. In your eyes, I'm not even as good as a bank.

To say the least, if you really treat me as a bank, I actually have the right not to lend you money.

four

I agree with Lu Yu about borrowing money:

"I have never borrowed money from others, and I have never lent money to others. I really don't understand why I want to borrow money, how much you want to do and how much you want to live. But one thing, I believe, if one day I have no food, if one day I am on the verge of life and death, I believe my friends will take me home and feed my stomach.

As for lending money to others, I don't lend it, I give it and I give it to you. It doesn't matter if I don't return it. I don't expect it, but it will be a surprise for me if you give it back to me. If you don't retreat, you will, as expected.

Commentator Zhang Zhang:

A simple, rude and direct sentence: "No."

In our life, no one can avoid borrowing money from relatives and friends, or you are in a hurry to borrow money from others.

If you have money, help if you want. However, if you are not very rich and someone borrows money from you, and you are still worried about the problem of the other party not paying back the money, then you should handle it as appropriate when you borrow money. If it is a consumption problem, such as borrowing money to eat, drink and have fun, wanting to change a house, or taking your money to lend a chicken to lay eggs, you should be straightforward and refuse without hesitation.

Borrowing money is also divided into different situations. Don't lose out for face. Here are some tips for big sister to borrow money:

1. Help the poor: If people and funds are in trouble or have a good personality, you can give timely help, and the timing of borrowing money is just right, and others will be grateful. This is a fact. On the contrary, if relatives or friends often borrow money from people with poor economic conditions, you should not consider it.

2, friends borrow money should also be inspected: usually all kinds of good, when it comes to money, all kinds of friends who do not respond abound, you are not so lucky.

3. Don't lend it to investors;

4. If you can't refuse, you must sign a repayment agreement with the borrower, which is not verbal and has no credibility.

Don't say these words to your family. Once people with expectations are disappointed, they will also affect their feelings.

6. Be honest with each other and directly analyze the advantages and disadvantages of borrowing money, not the advantages and disadvantages of the previous paragraph.

7. Defend by attacking, defend by attacking first: all kinds of sales are terrible, and he doesn't know the real situation anyway.

The above is for reference only, please ignore the local tyrants.

Once, a colleague asked me to borrow money and said he would pay it back in a month. Push it day by day when necessary. After all these years, there is still no news. ...

Once, another colleague asked me to borrow money. I never asked him for it because I didn't borrow much. Then he borrowed money from me. I said that if you want to return what you borrowed before, I will lend it to you. He said, you borrow it first and I'll pay it back together. Don't you believe me? I believe you, ghost. ...

Once, a friend lent someone more than 20,000 yuan for an emergency, saying 10 days. Two years have passed and he hasn't paid back a penny. Fortunately, he wrote an iou at that time, and he asked for more than 10 thousand through litigation, including 7000 for litigation ...

How to effectively avoid economic losses?

1, never lend money to others, many people can't do this.

2. Borrow only if there is collateral, and don't borrow if there is no collateral. Many people can't pull this face down.

Don't borrow money, so at least your mind won't be hurt.

These days, if you want to get the money you lent back, you are stingy.

What do you mean, save the poor?

Generally speaking, those who can pay back in a month are called urgent, and those who can't pay back in a month are called poor;

Those with collateral are called urgent, those without collateral are called poor, and those who swear not to pay back the money and have children without asshole are called poor.

Lend money to the poor, please be prepared for charity.

Having said so much, how can you refuse to borrow money without saying a word?

The answer is two words: no money!

Note that the reason why you refuse to borrow money must be that you have no money, and there is nothing else you can do!

Why? Because a person is innocent, he is guilty.

A friend told people at the party that he earned 3 million yuan a year.

Everyone praises the cow force,

The next day, someone came to borrow money from his friend with his father's paper.

Open your mouth is 1.6 million.

And I've been kneeling at my friend's house and kowtowing to him.

His friend gave him 300 thousand.

I wonder how much the borrower can earn in January.

Anyway, the borrowed money can't be collected.

Look at brother coat,

The village built roads and donated hundreds of thousands.

Since then, people in the village have been looking for him every day.

This one is sick, that one wants to buy a house, and some people have no money to pay tuition. ...

Everyone in the village knows that he is rich and all kinds of borrowers seem to deserve it.

They think you have money, lend it to him. That's right. If you borrow less, they will scold you. Besides, you can't let him ask for it. If you do, you just have a bad personality and are not interesting enough. It's bad conscience not to borrow, wicked man.

Who made you rich? You should borrow if you have money!

Lending is not a thing that needs too much supervision in peacetime.

I just don't know when it started.

The one who owes money becomes an uncle.

Ten thousand can't afford to offend!

Therefore, this lending trust relationship

Began to get weaker and weaker

However, instead of hurting my feelings, I borrowed my wallet.

How to politely refuse is an eternal problem.

Today, Jinfen Fun decisively helped everyone find a batch of methods!

"Shameless" posture ▼

"Who is worse" posture ▼

"Heart to heart" posture ▼

"Dragon Dance and Phoenix Fall" posture ▼

"True love" posture ▼

In fact, the best way is to let borrowers find other ways and channels, such as the current credit loans, although there are many pits in credit loans.

However, there are still some reliable receipts that can quickly help solve the urgent need.

I am Jiuyang, a senior trader, with both strength and low profile. Senior analyst of China Precious Metals Association, certificate number MFP00 10878, foreign exchange investment and financial management consultant of gold and crude oil. The article doesn't care about chicken soup, and it is all cliché s and empty names. It uses concise charts and logical analysis to achieve effective asset accumulation methods.

As an entrepreneur, I have borrowed money from others and lent it to others. Lending is particularly prone to conflicts, so now I would rather borrow money from banks or financial institutions than talk to others easily. After all, money is easy to repay, but human feelings are hard to repay.

There are actually many ways to refuse others to borrow money and not to offend them.

This inconvenience, of course, is not really inconvenient. It is a euphemism and will not offend people.

For example, if someone asks you for money to do business, you don't want to borrow it. After all, doing business is risky. You can say, "What a coincidence, you are also planning to start a business. Like you, I am also working around to get money, and my head is big. " As soon as the other party listens, it will give up the idea of borrowing money from you. Maybe you'll say I'm not going to do business, or what if the other party finds out that I'm not doing business and thinks I lied to him? It's actually quite simple. Just say that money is hard to borrow and you give up if you don't have enough money. If the other person is a little more reasonable, he won't ask you again.

When the other party asks you for money, don't say that you have no money at the beginning. You can ask the other person if there is something wrong and what can be done to help. If the other party insists on borrowing money, say that he has no spare money on hand, but if there is anything else that needs help, you must help. In this way, even if the other party fails to ask you for money, it will not offend the other party. After all, verbal concern is also a kind of help.

This trick is the most used one at present. When the other person asks you for money, you say that you don't care about money at ordinary times, and your wife (husband) is in charge of the family expenses, leaving only some basic living expenses on yourself. At this time, the other party can't let you go to your wife (husband) to give it to him, can it? Of course, if the other party really makes a request, then you can say that your family doesn't agree and there is nothing you can do.

When someone asks you for money, you should first ask how much to borrow and when to use it. Knowing the amount and time will make it much easier. At present, there are many financial projects in the society. You can directly say that your funds have been invested in financial projects, and the fastest way to withdraw money is to exceed the time limit required by the other party.

If you really intend to lend it to each other, I suggest borrowing a little. Even if the other party doesn't pay back the money in the future, I won't feel bad. At the same time, I will tell each other that I have so many. Here you are. If it is better for the other party to take the initiative to pay back the money, then you basically don't want the borrowed money.

Sometimes it is wrong to say no when you meet someone who borrows money. Borrowing is mutual affection; It is my responsibility not to borrow it. If the other person doesn't even understand this truth, there is no need to make friends.

Take a piece of white paper with you, and remember to keep it white (as for the method, we will find another way, and only the result is required here) ...

Whenever someone talks, you first show him the sacred objects mentioned above, and then you say, "Is this paper white and clean?"

After his confused answer, you went on to say, "My pocket is blank, ten times cleaner than it ..."

I'm really sorry, I don't have it now! Polite and civilized, don't offend people! what do you think?