A few years later, after careful calculation by his wife and frugality of the whole family, the family finally got enough money to pay off the debts, and the money borrowed from his third aunt's house was paid back with interest at the first time. It's good to be clean and debt-free
When I borrowed money from my third aunt's house, I wanted to leave an iou, which was politely declined by my third aunt. When I paid back the money and interest, I was criticized by my uncle, who always said that I treated my sister as an outsider. But I think, of course, brothers should make a clear account so that they can borrow money to pay interest.
Under the repeated insistence that I almost changed my face, I promised to borrow money from my relatives and sisters in the future and repay it accordingly. My uncle's family finally lost the battle and obediently took a pile of money I handed over.
When borrowing money without paying interest, say yes. Generally, relatives and friends are embarrassed to ask for interest, but borrowers should know to buy some gifts for the New Year! For example, my friend lent me money for a short time, that is, for half a year, and agreed not to pay interest, but after paying back the money, he had to invite us to dinner, and I refused! Later, my friend bought some gifts, and this is the man who understands! People who do things like this will be willing to help if they have difficulties in the future!
It depends on the relationship, the wealth of the family and the reason for borrowing money. My uncle borrowed money from my mother to open a factory. My mother is over 60 and has no ability to earn money. My uncle just got 50 yuan, and the family conditions are better than mine, so I gave her the lowest local interest. My aunt's family conditions for borrowing money are worse than mine, so there is no interest on borrowing money. There is no standard answer to specific situations.
It's easy to borrow money from relatives and friends, but it's easy to pay back the money. Not much to say, I'll tell you a real example.
A friend of mine started a business and borrowed 200 thousand from relatives. One year, the agreed interest rate is 2 points, and 48,000 yuan a year. My friend finally gave his relatives 50 thousand and an extra 2000.
Later, this relative asked his children to work with my friends and agreed. His children have no ability, don't promise, and owe people a favor. Finally, my friend agreed, and the treatment was good.
As a result, his relatives and children failed to live up to expectations and spent a lot of money. My friend said he wouldn't listen, and he often borrowed money from my friend and often got into trouble, asking my friend to wipe his ass.
Finally, when I got home, I didn't save my money and didn't learn my skills. The most wonderful thing is that this relative of his family finally put the blame on my friend, saying what happened to my friend and saying some ugly things.
Therefore, borrowing money is such a thing, and people don't care whether relatives and friends borrow it or not. Paying back the money is a trivial matter, but that favor is really hard to pay back.
It would be nice to be able to repay the principal! More than ten years ago, a friend said he was in trouble. He borrowed 1000 yuan from me, and only paid it back to 700 yuan a few years later. He said that he would pay back the balance in the future and never touched him again. I must pay 300 yuan's interest to the borrower. I really can't help such a friend. Since then, I dare not borrow any money. On the contrary, I really became the enemy. I have never seen this friend again. When I borrowed money, I called my grandfather. I called him my ancestor.
Haha, no one will ask me for money. Some of them belong to her parents' family, not mine. Because my poor parents were incompetent, I got married and had children from scratch. No one has ever been willing to help me (including my mother, children, sisters, fathers and children). Now my life is finally getting better, and my life is getting by!
I lent my relatives100000 to buy a house. At that time, it was a one-year death deposit, with an interest rate of more than three o'clock and a maturity of two or three months. In order to solve the urgent needs of relatives, I withdrew in advance. More than a year later, when I paid back the money, I brought 5000 yuan, saying it was interest. How can I have it? Relatives exchanged pleasantries and took them back. Near the Spring Festival, I brought a box of milk for thirty or forty dollars and a bucket of cooking oil for thirty dollars to visit us at home. It was disgusting then. I don't usually buy such cheap food myself. You can't forget it by saying thank you to others! You must buy boxes of Jin Dian, Telunsu and other high-quality milk, and a bag of Lu Hua peanut oil!
Some friends say that it is normal to borrow money from relatives and friends when encountering difficulties and problems, but do relatives and friends need to borrow money? Must I pay interest?
Indeed, whether you are close to your family or not, in the past history, family and family are important blood ties, and relatives are tied together through this bond. Although we don't recognize and support sharing weal and woe in the past, it is human nature that relatives and friends will definitely turn to them for help when they encounter problems and difficulties.
These days, there are not many relatives and friends who can lend you money! Therefore, you can't borrow money for nothing to treat such relatives who are willing to trust you.
At present, the annualized loan interest rate of commercial banks generally rises on the basis of the central bank's benchmark interest rate 10%-20%.
The latest benchmark interest rates for central bank loans are as follows:
That is to say, the real interest rate of a one-year loan is at least 4.78 and 4.35% * (1+0.1) = 4.78%.
In today's society, there are not many relatives and friends who are willing to lend you money. They believe not only in your character, but also in your family or friendship. Therefore, according to the amount of money borrowed, we can judge how much interest to give. Don't think that you have lost. Interest lies not in how much, but in your attitude. ...
To give the simplest example, in recent years, it is easy to get loans twice, tens of thousands at a time, and several years ago, thousands at a time. The former charged interest for lending for two or three years, while the latter confiscated it. One is lack of money, and the other is short of time.
The first loan was tens of thousands of dollars. When my friend borrowed money, he didn't discuss the interest, and he didn't even owe me an iou. Three years later, my friend was going to pay back the money and asked me how much interest was appropriate. I thought about it for a moment. I charge 2% interest for one year and 6% for three years. In fact, it is only one or two thousand dollars. At present, the three-year bank deposit is 4% annually, and I haven't received so much.
I borrowed 1000 for the second time, only for one month. How to collect it? Even when I lend it out, I think it is the best way to test my character. It doesn't matter if I can't get it back. At least it means that this friend can pass.
Again, relatives and friends are willing to lend you tens of thousands of dollars, so we must believe you. They don't necessarily need much interest, but they should have an attitude. Too many people see their friends or relatives clearly because they borrow money. In principle, no matter who borrows money, he must make an IOU to discuss the interest. You can not accept it, but you must have this attitude.
There is a simple reason. First, don't let people who are willing to lend you money down. Second, with an annual inflation rate of 3%, money will depreciate. I lent you 65438+ million three years ago, and only 65438+ million three years later. The person who lent you money must have lost money. In three years, he lost 9000 yuan. Someone else helped you. Not to repay you, but to let you go.
In the past, when we borrowed money from relatives and friends, we usually didn't issue receipts or charge interest, just helped each other. In the past, people borrowed money for emergencies. Isn't it necessary to collect money at this time, taking advantage of people's danger? Therefore, as long as the repayment is made within the agreed time, interest is generally not charged.
If you borrow money from relatives and friends now, you must ask, does this money charge interest? How to charge interest? Because after all, people are willing to lend you money, even if it is good, it can't make relatives and friends lose interest, right? In this way, the two brothers can settle their accounts and repay the principal and interest when they borrow money. We won't have any conflicts.
As for whether to pay interest on borrowing money from relatives and friends, we think it depends on two situations: first, there is an emergency at home, or the elderly are ill in hospital, or you get married and pay a down payment for buying a house. This kind of borrowing is urgent and unprofitable. You can pay interest to others or not. If relatives and friends don't ask you to pay interest, you don't have to pay it, because you don't have to pay emergency money.
Second, if you use the money of relatives and friends to pay off debts, you still have to pay some interest. After all, you brought other people's money to Qian Shengqian. If the business is successful, you should pay more. If the business fails, you should also pay the deposit interest. Don't let relatives and friends suffer. Otherwise people won't lend you money for the second time.