One: Ask the reason for borrowing money.
When a friend borrows money from you, it is the most basic principle to ask why. Because it will affect your decision.
As the old saying goes, "Don't borrow from the poor". When the other party borrows money, it is necessary to consider whether the other party can repay it and whether the relationship between the two parties is friendly. Whether the other party needs urgent money and so on.
If the other party is in a hurry, and you know the details of the other party and the other party can pay back the money, then you can still lend it out.
This can also close the relationship between the two parties, and the other party can also pay back the money.
And if the other person is just too poor to make progress and doesn't find a job to support himself. Lend money to others for blind consumption. If this happens, don't borrow it.
Because of this situation, the other party will only get poorer and poorer. When they can borrow money, they are friends. If you can't borrow it, they will turn against you.
Lending money to a friend is a kind of trust to a friend, giving him the freedom to pay back the money himself and leaving him a sky.
Switzerland can't repay the loan for the time being, and the other party has difficulties. When the other person can hold up a sky by himself, he will send you a blue and bright sky.
Two: take the initiative to attack.
When someone borrows money from you, it is undoubtedly a clever way to take the initiative.
If you have the initiative, you won't be led by the other side. If the other party intends to borrow money from you, the best way is to ask the other party why he wants to borrow money from you, instead of directly asking the other party how much money he needs to borrow. If you do this, you will only be passive.
If you don't have enough ability to borrow money, you should refuse it at different levels. Never mind how much money the other party borrowed. Care about the reason why the other party borrows money. On the one hand, you can gain the trust of the other party, on the other hand, you can find the reason why you can't borrow it.
Three: express their difficulties
When a friend asks you for money, you can't just refuse. You should use euphemism, otherwise both sides may not even be friends.
At this time, the best way is to show that you really want to help each other, but there is nothing you can do, and tell your difficulties. This will not offend friends, but also express their difficulties. Completely solved the problem of borrowing money from each other.
At the same time, give each other a good suggestion while expressing their difficulties. In doing so, we not only rejected each other, but also expressed our desire to help each other.
After that, you can express the idea that you will help the other party if you have the ability next time, so at this moment, the other party will understand you. Of course, the premise is that the other party is a reasonable person.
If the other party is angry about it, such a friend might as well not make friends.
Summary: A friend asks you for money, but don't ask the other person how much. Ask the other party the reason for borrowing money first. According to the principle of borrowing urgently rather than borrowing indigently, consider the situation before making a decision.
Secondly, when the other party offers to borrow money, take the initiative and don't let the other party lead by the nose, which is often more passive.
Finally, if you don't want to borrow money, show your difficulties and give each other a good opinion, so as to ease the relationship between the two sides and find a way to solve each other's difficulties.