What if an acquaintance borrows money? Pay attention to these six points.

1. Find out the purpose of his borrowing money.

If the borrower uses the loan for illegal activities such as drug abuse, gambling and whoring, it may not borrow it again. Because these are not protected by law, not only is there no guarantee for borrowing money, but serious cases may also be investigated for responsibility. If it is used to buy a house, a car and other living problems, we should pay attention to measuring the ratio of his loan to income. If the loan ratio is high, you may have to be prepared that he can't pay back the money in a short time.

2. Understand his family situation

Where does his family live? Do you have a permanent residence, are you married, and what is your relationship with your family? If he has a bad relationship with his family for personal reasons, you should be careful. If his family changes, he may go to collect debts. If he has his own house, you can still apply to the court for property preservation even if you don't pay back the money in the future. But if he has no fixed address, it may be difficult for you to find him in debt collection in the future. These seem to have nothing to do with borrowing money, but they can reflect lending from the side.

3. Understand his debts.

If the borrower is already heavily in debt, especially loan sharks. Then don't do it. Even if he has fixed assets, he may go bankrupt.

Do what you can, don't try to be brave.

Some people value the friendship of their friends and find it difficult for them to borrow money once. At this time, they find themselves as friends, even if they don't borrow as much as him, they try their best to collect it from him. When borrowing money, you must consider your tolerance. Considering the worst result, if the money he borrowed really doesn't come back, you should avoid getting yourself into trouble.

5, not just playing IOUs.

Sometimes, in order to avoid responsibility, some people have selective amnesia. At this time, I'm afraid it's impossible without some real evidence. Money-related topics are very sensitive, so it is very necessary to write IOUs when borrowing money. In this way, not only will borrowers pay more attention to borrowing money, but you can also have evidence to follow even if you don't pay back the money in the future. However, sometimes only the evidence of IOUs is still thin. Such as bank vouchers, clear general recall and other evidence, can be used as evidence in court. In the face of many hard evidence, Lao Lai has nowhere to run.

6. When the repayment period is up, collect debts in time.

When it's time to pay back the money, you should remind me in time and settle it with your brothers so as not to get the borrowed money back, and you can't spend your own money if you want, if the loan amount is relatively large. You'd better call or email the other party one month before the repayment date. At the same time, the total recall of both parties can be retained as evidence to avoid the "guarantee period" of IOUs.

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