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借钱给朋友或家人时,可遵循5项重要的规则

来源:学习之家 作者:xuexi110 人气: 发布时间:2016-06-07
摘要:Five Key Rules to Follow When Lending Money to Friends and Family 借钱给朋友或家人时,可遵循5项重要的规则 In todays economy, its easy to understand how someone can find themselves in a dark place financially. To help guide you toward makin

Five Key Rules to Follow When Lending Money to Friends and Family
借钱给朋友或家人时,可遵循5项重要的规则

In today’s economy, it’s easy to understand how someone can find themselves in a dark place financially. To help guide you toward making the right decision, we asked financial experts to share five key things to consider before cracking open your wallet.
在今天的经济状况下,理解一个人是如何发现自己金融状况不佳是很容易的。为了指导你做出正确的决定,我们向金融专家请教,分享在你打开钱包前可以考虑的5件事。

借钱给朋友或家人时,可遵循5项重要的规则

Rule 1: Only Say Yes if You Mean It
规则一:只有在你想借钱给他时才借

If you feel guilt-tripped into making the loan by the asker (“I’m desperate!”) or you question your own hesitation (“I must be a bad person or I wouldn’t feel conflicted”), then turn her down.
如果你贷款给借款人会感到十分罪恶时(“我绝望了!”)或者你在质疑你的迟疑(“我肯定是个坏人,要不然我就不会觉得受折磨了”),那么你应该拒绝借款人的借款。

Rule 2: Lend Just What You Can Afford to Lose
规则二:借钱的数量额在你承受范围内

Bottom line: Be prepared for the worst by giving only an amount that, if never returned, wouldn’t jeopardize your own savings goals, bill-paying ability or other relationships.
底线:要想到最糟糕的情况,即:你所借的钱,如果别人永远不还的话,这些金额也不会损害你自己的储蓄计划,付账能力或其它关系。

Rule 3: Create a Firm Repayment Timeline
规则三:制定严格的还款时间

It’s also wise to charge interest and work that into your repayment schedule. Depending on the amount, loaning money can involve complicated tax rules; failing to charge interest might get you in trouble. To avoid this, you may want to charge the borrower the Applicable Federal Rate (APR) as interest.
收取利息并将其写进还款日期也是明智之举。根据借款的不同金额,会相应涉及到复杂的税收规则;如果你没有收取利息,你也许会陷入麻烦之中。为了避免这点,你也许可以向借款人收取适用的联邦利率作为利息。

Rule 4: Always Put the Loan in Writing
规则四:借款时,总是付诸笔头

You can draft a simple personal loan agreement without hiring an attorney. But more complex deals—for example, if they involve collateral or involve more than $10,000—may require a lawyer to be involved.
不用雇律师,你自己就可以写一份简单的个人贷款协议。但对于更加复杂的贷款------例如,如果这些贷款涉及了抵押品或者贷款金额超过了1万美元-----那么就需要雇佣律师了。

Rule 5: Never Let the Due Date Slide
规则五:永远不要错过还款期

If your dinero doesn’t show on time, ignoring the lateness or making excuses for not confronting the borrower would be a mistake. She might continue going along as if the due date you set is a loose guideline rather than a rule.

责任编辑:xuexi110

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