Netizens ask you to borrow money, will they lend it to you?

Li Ke said

"I borrowed money based on my own ability, so why should I pay it back." What kind of logic is this?

——Li Kejun

Recently, a very good friend told me that his friend A asked him to borrow money. They are not the same type of people. The kind of person who studies and works peacefully, his friend A started messing around after graduating from high school without passing the exam. He has had ups and downs in the past few years, which is quite unreliable.

Last year when his career was on the rise, friend A injured someone and was imprisoned for a year. Now that he has been out for a while, he is preparing to do some business, because he doesn’t have much capital, and the business he wants to do is still limited. It’s so big that I plan to borrow money from my friend. The amount of the loan is almost astronomical to my friend.

My friend really doesn’t have that much money on hand, and he can’t bear to ask for it from his parents or borrow it from his friends. After all, he has been a good friend for many years. This time it is really difficult. I don't want to affect my relationship because I can't help him, but it's hard to raise so much money, and I feel very conflicted.

Do you have money?

Issues involving your own abilities and life

Four words "do within your ability". Before borrowing money, you must first know whether you have the ability to borrow the money. If you lend money to a friend and you can't even afford to eat, of course you can't agree. When weighing your own situation, you should do what you can based on your own situation.

If you have a certain amount of savings, you can consider lending it to a friend for emergencies if you are not in a hurry to use the money. The key is to "act within your ability" and never borrow money blindly.

The reason why the friend borrowed the money

Involves his use of the money

As a friend, if you lend money to him, you should ask him the reason for borrowing the money , this is a very important point, you must know what he is borrowing money for. He should have the right to know. If he needs the money for urgent matters, of course that is no problem.

But if he borrows money to "gamble" or does something illegal and disciplinary, we certainly cannot agree to lend him money.

The degree of friendship

Involves feelings and relationships

As ordinary friends, the relationship is not very close, so the risks should be considered. Many people say that the stock market, Investment involves risks. But in fact, lending money is also risky. If the relationship is not very good and you don't know his character clearly, you still have to carefully decide whether to lend him money.

As a good friend, I also bear the above risks, but because I understand each other’s situation and the close relationship, I can consider lending him money. However, I have seen too many "once you borrow money, you will never lend it again." Friends who cannot be friends, "don't be too optimistic about your own mind" when it comes to borrowing money.

You still need to carefully consider the pros and cons and act with caution. It is best to clearly state the purpose of borrowing the money, the date of repayment, etc.

The most basic trust between people

Listen to what they say

A: The basis of relationships between people is trust, so my friends come to me When borrowing money, I usually lend it to him.

B: I only lend to friends who really have no money to live. Those who borrow money to pick up girls don’t lend a penny.

C: If you go out together, you will definitely forget to bring your wallet if you really want to borrow money. At this time, you can just lend the money to your friends. Small money does not matter. I really don’t want to borrow money to buy a house. Basically, I don’t want to get it back within 5 years. How embarrassing.

D: If you don’t, don’t borrow it. If you borrow it, don’t think of getting it back. I won’t hesitate to lend money to real friends who are in need.

E: I will never affect my life by borrowing money from others. I will treat the loaned money as given and never ask again.

F: If you are a very good friend, there should be no money exchanges. If you are really a very good friend, you will not be in this dilemma. A good friend will not leave behind so many years of brotherhood just because you really don't have the ability to help him.

G: If you borrow money unnecessarily or borrow money for business without establishing written documents and without discussing interest, you will be rejected.

A friend asks you to borrow money. Should you borrow money?

This is a very controversial topic, borrowing money mainly depends on your own ideas. If you have enough trust in this friend, and the loan amount is within your affordability, and you are not doing anything illegal or disciplinary, you can consider lending him money.

For some friends who are reluctant to borrow money

How to avoid this problem?

We can invest money in financial management and choose financial products that suit us. This can not only develop financial management habits, but also avoid unnecessary risks caused by borrowing money.

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