How to refuse a loan from a friend and colleague?The best reason not to offend relatives and friends wisely

What if your relatives and friends often ask you to borrow money?

How to gracefully refuse to lend money to someone?

Lend it to him, maybe the bamboo basket will be empty.If you don't lend it to him, it might hurt your relationship again, so what should I do?

Refuse to lend money to these 4 types of people

Notice!Here are four types of people who ask you to borrow money, and never borrow money.Especially the fourth kind, you didn't discuss it.

The first type: poor economic conditions

Neither husband nor wife are motivated.

You can't pay the rent, and you can't pay your children's school fees.

This kind of money is absolutely not allowed.

As the saying goes, don’t borrow money from the poor, don’t try to play God, it’s not your job to help the poor, you need to have strong self-discipline to pay back the money.

The biggest problem the poor face is that they don't discipline themselves.

Second: Doing business requires capital

It's the kind of person who needs money to do business, but doesn't have enough money to find you.

This kind of money borrowed must not be borrowed, he should go to the bank for a loan.

This kind of money, after you borrow it, he won't give you any dividends if you make money, and if you lose money, you basically can't even find others.

The third type: your former classmates, friends and colleagues

It is your former classmates, friends and colleagues. No matter how good the relationship was before, if you say that such a person who has not been in contact with you for a year or two suddenly asks you to borrow money, you must not borrow it. You?

It means that he has borrowed all the relatives and friends around him, and he has not paid off the money well, and his credit in the circle of acquaintances has been completely bankrupt, so he thought of you.

The fourth type: Big Brother who used to get along well

The fourth category is particularly important, and many people fall for the fourth category.It's the kind of big brother who used to be very good, and suddenly asks you to borrow money, and the amount of the loan is not high.

Then many people think that, oh my, such a good big brother, borrowing this amount of money, there must be no risk.As a result, after borrowing it, it fell into the pit.

Why do you say that?Because he can find you to borrow money, it shows that his pit is infinite.The bigger the boss, once there is a problem, it is a huge problem.

Having said so much, in fact, many people also know that the money should not be borrowed, but it is often because of friends and relatives who are embarrassed to refuse, so how should you refuse others?

How to refuse your friend and colleague to borrow money from you?

Teach you a few tricks.A person who can reject others without sinning.First of all, you have to understand that it will be easier to offend him if you lend him money. Why?Because after you have borrowed money, you will still ask him for money, right? When you ask him for money, he cannot be happy.

In psychology, people have an effect called the loss effect.For example, if the company gives you an extra 3000 yuan bonus, you will be very happy.But this happy.It only takes two or three days for you to forget, but if the company deducts 3000 yuan from your salary, the pain of this treatment will make you unforgettable for half a year or a year, or even longer.

In other words, after you lend him money, he will take it for granted that it is his own money, he will not think it is the money you lent him, and when he repays the money, he will feel It seems that I am giving you my own things again, and the pain is like cutting flesh.

So from the perspective of human nature, no one is absolutely voluntary when paying back the money.The larger the amount, the stronger that feeling of pain.The degree to which you offend him by not borrowing money may be far less than the degree to which you offend him when you ask him for money.

So the first way is to use the procrastination method if you don't talk or borrow.You find that most people are very good at procrastinating when you ask them to pay them back.Today delays tomorrow, tomorrow delays the day after tomorrow, then you use this method on him first.

He borrowed money from you and said to him:

Heck, that's absolutely fine.But for my money, I called my cousin a few days ago, and I will wait for him to call me next month.I will transfer it to you as soon as possible.

Ordinary people can't wait to borrow money. If he really waits until next month to come to you again, and if he wants to borrow money from you, you will say that your cousin has not paid you back, and then continue to delay, slowly... ...if there is a delinquent situation, take a screenshot of the chat log and show him...

The second method is not to lend big money to small money.If the other party wants to borrow 3 yuan, you will only give him 3000 yuan, and then the 3000 yuan will be given to him.At this time, you have helped him, but you will not offend him.Because as long as you don't pay him back, you won't offend him.

The third method, buy a house, buy a lot of houses, show him your loan record...Tell him that I won't be able to turn it around later, and I might have to borrow it from him.

The 4th method, if he has a house, introduce the mortgage finance company to him.

The fifth method, my friend asked me to borrow money, how can I refuse it directly?Straightforwardly said:

Now I'm terrified, I can't help you, it's my psychological problem, I'm so sorry!

The person I love lends me money, how can I politely refuse the other person?

you could put it that way:

I really can't help you because my bank account is frozen and I can't transfer or withdraw money.

Or the other party wants to borrow 100 yuan, but I borrow more than 10 times the money from the other party:

"I need money, can you lend me 1000 yuan?"

• Because the other party asked you to borrow money, but I didn't expect you to want to borrow money, so the other party would be afraid of you and would not dare to borrow money from you.

Please help to share it with your good friends, or people you like!

Chen WeiliangThe article is helpful, you can consider paying attention, okay~

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