借钱给朋友或家人时,可遵循5项重要的规则
日期:2016-06-03 10:39

(单词翻译:单击)

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Five Key Rules to Follow When Lending Money to Friends and Family
借钱给朋友或家人时,可遵循5项重要的规则

In today’s economy, it’s easy to understand how someone can find themselves in a dark place financially. To help guide you toward making the right decision, we asked financial experts to share five key things to consider before cracking open your wallet.
在今天的经济状况下,理解一个人是如何发现自己金融状况不佳是很容易的.M!-8=lOlW0vJq1*@%。为了指导你做出正确的决定,我们向金融专家请教,分享在你打开钱包前可以考虑的5件事y1MkhET7y7VEhf6#Ff-t
Rule 1: Only Say Yes if You Mean It
规则一:只有在你想借钱给他时才借
If you feel guilt-tripped into making the loan by the asker (“I’m desperate!”) or you question your own hesitation (“I must be a bad person or I wouldn’t feel conflicted”), then turn her down.
如果你贷款给借款人会感到十分罪恶时(“我绝望了!”)或者你在质疑你的迟疑(“我肯定是个坏人,要不然我就不会觉得受折磨了”),那么你应该拒绝借款人的借款E=Z3hWf5u))a_M
Rule 2: Lend Just What You Can Afford to Lose
规则二:借钱的数量额在你承受范围内
Bottom line: Be prepared for the worst by giving only an amount that, if never returned, wouldn’t jeopardize your own savings goals, bill-paying ability or other relationships.
底线:要想到最糟糕的情况,即:你所借的钱,如果别人永远不还的话,这些金额也不会损害你自己的储蓄计划,付账能力或其它关系DmK(q^m#5-E

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借钱给朋友或家人时,可遵循5项重要的规则.png

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Rule 3: Create a Firm Repayment Timeline
规则三:制定严格的还款时间
It’s also wise to charge interest and work that into your repayment schedule. Depending on the amount, loaning money can involve complicated tax rules; failing to charge interest might get you in trouble. To avoid this, you may want to charge the borrower the Applicable Federal Rate (APR) as interest.
收取利息并将其写进还款日期也是明智之举z+][-!V%w@o=。根据借款的不同金额,会相应涉及到复杂的税收规则;如果你没有收取利息,你也许会陷入麻烦之中;RFuEGaq4m。为了避免这点,你也许可以向借款人收取适用的联邦利率作为利息=7suXj9CsO7t#rJ[;|
Rule 4: Always Put the Loan in Writing
规则四:借款时,总是付诸笔头
You can draft a simple personal loan agreement without hiring an attorney. But more complex deals—for example, if they involve collateral or involve more than $10,000—may require a lawyer to be involved.
不用雇律师,你自己就可以写一份简单的个人贷款协议;6mnT^6~yUj!。但对于更加复杂的贷款------例如,如果这些贷款涉及了抵押品或者贷款金额超过了1万美元-----那么就需要雇佣律师了p1~.dF+&-I.C
Rule 5: Never Let the Due Date Slide
规则五:永远不要错过还款期
If your dinero doesn’t show on time, ignoring the lateness or making excuses for not confronting the borrower would be a mistake. She might continue going along as if the due date you set is a loose guideline rather than a rule.
如果你借出去的钱没有及时还回来,忽略这种延迟性或者是找借口不去见借款人,都是错误的做法%%fpr79~wS]c。如果你设定的付款期只是一个宽松的期限而非规定的期限,那么她(借款人)可能还会继续拖下去.j5U!pDQNL)JXc[^A5
Make it more businesslike, so neither of you feels like you’re taking advantage of the other.
你应该使借款过程更加商业化,这样双方都不会感觉占了对方的便宜jOP2xEsx)Dt8&b1xR@VJ

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