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。
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。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。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。
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。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。
Rule 5: Never Let the Due Date Slide
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