Imagine how much the price has risen and how much the inflation rate has risen when you borrowed money in the past few years. Is the 200,000 you paid back still the market value of that year? So people charge you too much interest. You should pay.
These days, a friend who is willing to lend you 200,000 yuan to buy a house is definitely not a noble person in your life. Such friends are hard to find, so you must cherish them!
We can simply calculate that you spent 200,000 yuan for four years to ask you for 40,000 yuan in interest. The average annual rate is 1 10,000. Converted into annualized income, it is only 5.0%. Compared with other loan interest rates, you have actually taken advantage.
If you go to the bank for a loan, the interest rate is almost the same, about 5.0% per year. But don't ignore a very important thing. Bank loans can't be borrowed if you want.
First of all, there must be no problem with your credit information, otherwise the bank will refuse it directly. Secondly, check the flow of wages and income to prove that you have the ability to repay. Finally, like 200 thousand, it is already a relatively large amount. Without collateral, it is impossible for banks to lend.
And even if you meet the requirements, the loan will not arrive immediately, and it will take several working days to review. And if you pick up your friend's 200,000 yuan, he can transfer it to you immediately. Therefore, compared with bank loans, you already have a great advantage.
Why didn't your friend say interest at first, and then asked you for extra interest after you paid back the money? Maybe the imbalance in your heart lies in why you don't talk about interest when you borrow money, and then talk about interest when you pay it back later? It's easy to understand. First of all, a friend who can lend you 200,000 yuan to buy a house must have a special relationship.
If you want money, he talks about interest, which is too hurtful. Therefore, when you borrow money, even if you want to say interest in your heart, it is hard for him to say it. Secondly, he will think that even if he doesn't say interest, you will give him interest when you pay back the money.
But when you pay back the money, you only pay back the principal, without taking the initiative to say interest. Then he must be very dissatisfied, thinking that you are holding Bai Piao's purpose. If he lends his 0.2 million/200 thousand yuan to others, he will get tens of thousands of yuan in interest every year. Even if there is a bank, there will be interest of 30 thousand to 40 thousand after four years. So he asked you for interest, probably because the market contains resentment.