I think the most important thing between relatives is honesty! It's easy to borrow, but it's not difficult to borrow again. In other words, you have to keep your word. Return it whenever you say. If you're not sure, just talk for a long time. It's tasteless. Don't lie. The interests between relatives are not as good as possible, but family ties are very important. I have two facts. For the first time, my nephew 1 1 bought a business shop with me this afternoon. At that time, I paid a down payment. My nephew said that he was missing 50,000 yuan, so he asked me to turn it over and pay it back in three months. I also use money to pay interest. It took me three years to get it. Also embarrassed to ask! I have been paying the commercial interest of the bank myself! I bought two bottles of white wine in the last three years, 100 yuan. And when I lend him this 50 thousand yuan, I will pay the bank nearly 9 thousand yuan more interest. Another time: my nephew's son-in-law was short of money in business, and he called me and asked if he could pay him back 50 thousand in 15 days. I tried my best to call him 50 thousand! After a month, I asked him if he could give it back to me. He said it wasn't, but it would take three years, or ten thousand or several thousand to pay it back slowly. I think these two things will also deceive me between relatives! A few days ago, my nephew called me again and said, Uncle, I am working on a project, and there is a car full of aluminum alloy in the car. Somebody else's supplier wants me to take 10 thousand yuan. You find a way to give me Io. I'll give it to you in a few days when the project is paid in advance. I can get along with my friends and relatives. I really don't know if I can help you. Could my nephew be fooling me again?
Of course, the person who can lend you money won't charge you interest, but if you are grateful to him, you can buy things, which means that the contents of the necklace are fine. As for how many grams, it's up to you! My heart won't say anything to my relatives. In this era, the people who can lend you money are definitely good people. I renovated my house years ago, and a friend I know is only two years old! He also lent me 80 thousand, and I was moved to refuse. Someone paid me back 40 thousand this year, so I paid him back. Although he told me not to worry, I gave it to him. After paying him back this year, I'm also going to buy him something. My own relative didn't lend me a penny, but he can still lend it to me. I will never forget this intention.
I think it depends on what you do with the money. If you are doing business, you can give more to others. 65,438+0,000 can buy some good cigarettes, tea and wine. Of course, you don't have to buy too good one. You can buy 1-2000! If the money is not used for business, you don't have to give so much, just follow the interest of financial management. But the premise is how other people's money is saved when they lend it to you. If it is given to you on a regular basis and has not expired, you should count this loss. Once lent to relatives 65438+ ten thousand. Wife likes passbook, and relatives are anxious to hand over the house. We lost more than 3 thousand interest and lent it to them for one year. To be precise, it took 654.38+03 months. As a result, we paid back the principal of 654.38 million yuan. I didn't hear any thanks! They do have cash flow problems, but they are still embarrassed! Borrowing money is the most painful thing, and it hurts feelings!
At present, the annual interest rate of three-year national debt is 4%, which is a very important reference standard. It is very appropriate to pay interest at this rate. 65,438+10,000 yuan took a year and a half. According to the annual interest rate of 4%, you can give interest of 6000 yuan, and the minimum can not be less than 4000 yuan. In this way, the interest rate is similar to that of the baby money fund, and it does not need to exceed 8000 yuan. After all, 5% is already a good financial rate of return.
If you borrow money to invest or start a business, you will get rich returns in more than one year, then it is most appropriate to pay interest at the annual rate of 10%, which is the general interest rate level of private lending. 65438+ 10,000 yuan for one and a half years, that is, 1.5 million yuan interest. If relatives are close, it is not recommended to give too high interest. After all, once the benchmark is established, if the interest rate is not so high, it will be inappropriate to borrow money in the future, and the mentality of relatives will be unbalanced.
When relatives lend you money, they are actually sacrificing their financial income. Whether it is for emergency use or investment, pay back the money if you can. 4% interest rate is not high, but it is not low. After all, three years in a small bank is about 4%.
Nowadays, most people are reluctant to borrow money, mainly because people have poor integrity, and they are pathetic when borrowing money, and they say it beautifully. How long will it take? As a result, lending it out is like beating a dog to eat meat buns, or it will never come back.
For most families, 654.38+ 10,000 yuan is not a small amount, almost the net income of a family that doesn't eat or drink for one year. It is not easy for ordinary families to save 654.38 million yuan. Prices are rising year by year, and there are many places to spend money, which may not be enough for four or five years.
Relatives are willing to borrow so much money, probably because the family situation is better, but your character is definitely recognized. Being willing to borrow money helped a lot. Whether you earn or not, you should take the initiative to give interest.
When everyone is short of money, credit needs to be accumulated bit by bit. Overdue repayment after credit card overdraft will produce bad credit records, which will affect future loan and credit card processing. Borrowing money will not produce a bad credit record, but in the eyes of relatives, credit will go bankrupt, and even if it is paid back one or two years later, it will never come back. Not only can you not come back, but many relatives and friends will also hear that you will not pay back the money you owe, so your character will be broken and the probability of borrowing money when you need it urgently will be greatly reduced.
Gratitude is the traditional virtue of the Chinese nation. If you help your relatives today, remember to help them if you have a good chance. The so-called Tao is accumulated bit by bit.
Hello, let's be realistic: it's absolutely very kind of you to lend you 654.38+ 10,000 relatives at one time these days. Sometimes brothers and sisters can't do this, so you should cherish such relatives.
As for 65438+ ten thousand yuan, you spent a year and a half, how much interest did you give? I can see that you are also a reasonable person. I'll give you the interest of several mainstream financial management methods for one and a half years for your own reference:
I. Time deposits in banks
The average one-year fixed deposit rate of banks is about 2. 1%, which has been around 3% for two years, so if you borrow relatives for one and a half years at the two-year interest rate, you can get 6,000 interest, which is 4,500 yuan for one and a half years.
Second, wealth management products
It is also calculated according to 5% of the non-guaranteed wealth management income in the market. Income for two years 10000, 7500 for one and a half years.
Third, private lending.
I don't talk about the whole country. The loans between relatives and friends here are basically around "one profit", one thousand years 1 10,000, one and a half years1.20,000.
If you didn't agree on the interest rate of the loan at that time, I think since relatives trusted you and gave you 6,543.8+10,000 yuan unconditionally for one and a half years, you don't have to worry too much about the interest, which shows that she doesn't care how much you can give.
However, if I were you, I would at least pay according to the bank's financial interest rate, and then make do with the integer of 1 0,000 to buy some cigarettes, alcohol, tea and fruits to thank others. Don't take the help of relatives for granted. Family ties also need to be maintained.
Borrowing money from relatives is the most difficult thing to deal with, and contradictions are caused by it! It seems unreasonable not to pay interest, but others say that they have no face. Relatives who are willing to borrow money and can borrow so much money, of course, don't care about interest, but be reasonable. As the saying goes: brothers must be clear, not to mention relatives, and interest must be given, otherwise this favor will not be finished for a lifetime.
If your current situation is still relatively good, it is suggested that interest can be paid to relatives for two years. Relatives who can borrow money now are also true love. In other words, even if you give it to your relatives for two years, the general relatives will not accept it, which will also promote their relationship and will not make trouble.
Borrow 654.38 million yuan from relatives, how much interest is appropriate?
I think you have such a good relationship with this relative that you can lend you so much money, which shows that he is an open-minded and generous person. See that you are a potential stock and have the ability to pay back the money.
What were you then (⊙o⊙)? Say that? Maybe you are happy to borrow money and promise to give others interest. Ann should have a note, but it's not clear.
That man is not wrong about you. You can earn 65438+ million in one and a half years, and keep your promise. He lived up to the expectations of your relatives. Don't ask anyone. Go to the bank to see the interest situation.
I know what I'm doing. Look at two years, 654.38+10,000 yuan. What are the benefits? I don't understand. The money has been returned to others, but thank them for their kindness.
Let the wishes come true and the relationship between relatives is better. Relatives should help each other, learn from each other's strong points, and no one will rush to say that they want to live in Dont Ask For Help all their lives. Convenient for others and convenient for yourself.
I guess your relative is so caring and helpful that he may not care whether you pay interest or not. If he cares, he won't lend you money? This is a gentleman's demeanor.
Sure, okay? Be a man, be grateful, repay others with interest, and let them lose as little as possible.
We should cherish the friendship between us and put honesty first!
Our family often borrows money from relatives and friends to do small business (and also lends money to others). 120,000 yuan is a common occurrence. Our family's operation is to take the interest rate of 10% for one year according to private loans, or 10/0,000 for one year. Special relatives generally don't give money to others, buy a mobile phone computer tablet, buy clothes for children, buy cosmetics for women and buy watches for men. Anyway, it adds up to almost 10% interest. Friends or relatives usually give cash and then invite others to dinner. If you borrow it for a few weeks or months, you have to pay interest, otherwise who will lend it to you next time. So, you can make a million urgent needs just by making a phone call.
According to your 65438+ 10, there should be10.5 million interest for one and a half years.
Anyway, thank you for giving it to the principal first and then inviting you to dinner. The art of speaking while eating is very important.
Considering that you are borrowing money for emergency, not for profit, there is no need to pay so much interest, but it can't be too low. It is recommended to take a mortgage, paying 5000-6000 a year and about 8000 a year and a half. Sure enough, her family doesn't care about these interests, (high income, lavish spending, frequent travel and vacation) you can send some gifts (high-end atmosphere value is about 8000). If their family needs these benefits, give them money.
(Bank demand is 2.5%, wealth management is 3.4-4.5%, bank mortgage is 5-6%, mortgage loan is 6-8%, private lending is 8- 1 1%, usury 15%).
The problem of private lending between relatives and friends is a constant chaotic relationship, which is hard to say clearly. Specific decomposition can have the following schemes:
The best way is to refuse the interest, so although you lose interest for a year and a half, you will gain the gratitude of your relatives and friends, and you may not need it for the time being. In case you are in trouble, they will certainly lend a helping hand.
If you want to charge interest, you can also take the way of "welcoming and rejecting". Modesty first, no interest. If relatives and friends really want to give it, just accept it and give as much as you want. It doesn't hurt feelings, but it is also a good person.
As for the situation of collecting interest from relatives and friends, how should we determine the interest? There are several main reference standards:
The first is the bank deposit interest rate for the same period. At present, the national benchmark interest rate of banks is 1.5% for one-year time deposits and 2. 1% for two-year time deposits. Major banks will raise the benchmark deposit interest rate by 20-30%, about 2.52-2.73%, which is similar to the interest rate of Yu 'ebao.
If it is a large deposit certificate of more than 200,000 yuan, it can increase by 40~55%, which means that the maximum can reach about 3.255%.
Relatives and friends help each other to collect a friendship price of deposit interest rate.
Second, the bank loan interest rate for the same period. Some people think that if we follow the deposit interest rate, there may be some losses. What about the loan interest rate?
At present, the benchmark interest rates of various loans are 4.35% within one year,14.75% for five years and 4.9% for more than five years. However, in terms of loans, major banks will also raise interest rates according to market demand. For example, the interest rate of housing loan can rise by 15%, and the interest rate of mortgage loans with a term of more than five years can reach about 5.635%. The interest rate of other commercial loans or consumer loans issued by banks can reach 8~ 15%.
Therefore, it is reasonable to charge 5~6% interest, which is relatively acceptable to everyone. After all, the loan between relatives and friends does not need collateral, but depends on the trust between relatives and friends.
Third, the interest rate of private lending. The interest rate of state-supported private lending does not exceed 24%, as long as it is within 24%, it is protected by state laws. In other words, as long as the lawsuit goes to the court, the court can support it.
But the country also has a tacit interest rate, which is between 24% and 36%. If the lender is willing to pay 36% interest at first, and then goes back on his word and demands to return the interest between 24% and 36%, the court will not support it.
Actually, don't look so high, you will be happy. Relatives and friends often disagree on their interests at first. According to the relevant regulations of the Supreme People's Court, if there is no agreement in the loan, loan contract or loan receipt between natural persons to pay interest during the loan period, the court requesting to pay interest will not support it.
Therefore, this kind of thing should not be litigated.
To sum up, it is best to look at the consciousness of relatives in this situation, because there is no agreed interest at the beginning of the loan. In fact, the state did not default in paying interest. So, I know what to do first.