When someone borrows money from you, you can respond with the following three sentences, which can not only protect your economic interests, but also maintain your interpersonal relationship: "I need to think about it", "Can you tell me the reason for borrowing money" and "I need the consent of my partner (or family)".

1, "I need to think about it"

When someone borrows money from you, it first means that you need some time to think about it. This sentence gives you enough time to evaluate your financial situation and the reasons for the other party's borrowing. So you can decide whether to agree to the loan and how much.

2. "Can you tell me the reason for the loan?"

There are different reasons for borrowing money. Some people may be due to unexpected events, while others may be due to excessive consumption. Knowing the reason why the other party borrows money can help you judge whether the other party really needs help and is trustworthy.

3. "I need the consent of my partner (or family)"

If you borrow money from relatives or friends, you can indicate that you need to discuss it with your partner or family. This will not only ensure the safety of your family's funds, but also reflect your attention to borrowing. At the same time, it can also make your borrower understand that borrowing money is not an easy task.

Precautions for lending money to others

1. Determine the credit status of the borrower. Before borrowing money, you should know the borrower's credit status to avoid the situation that the loan cannot be recovered.

2. Define the loan purpose and repayment plan. When borrowing money, it is necessary to clarify the purpose of borrowing and repayment plan to avoid disputes.

3. Sign a loan contract. Signing a loan contract can protect the rights and interests of both parties and avoid unnecessary troubles.

Don't borrow more money than you can afford. When borrowing money, you should do what you can, and don't borrow more than you can afford.

5. Don't let the loan affect the interpersonal relationship. Borrowing money is a business activity, so don't let it affect interpersonal relationships.

6. Do not charge high interest. It is illegal to charge high interest, which should be avoided.

7. Timely collection of arrears. If the borrower fails to repay the loan on time, it is necessary to collect the arrears in time to avoid causing greater losses.