怀特犯的错误是,她认为自己和妹妹在还款问题上达成了共识,如果当初她谨慎地制订还款计划,上述情况本可以避免。
It might seem too businesslike, but “set specific terms for the loan that everybody can agree to,” says Ellis. “Discuss how much money will be loaned, interest rates and how long they will have to pay it back.” This way, she’ll know when she needs to come up with funds, and you’ll know when the money will be back in your account.
这看上去也许太认真见外了,但是,埃利斯建议:“为借款制定各方达成共识的详细条款,讨论借款金额、利率和还款时间。”通过这个方式,债务人知道何时需要还款,债权人也知道何时能够拿回那笔钱。
By nailing down this schedule, there’s also no mistaking this money as a gift, adds Ellis. The loanee also can’t postpone repayment indefinitely and claim she didn’t know you needed it so soon.
埃利斯补充道,确定了这个时间表,对方就不会误以为这笔钱是你送的礼物了。同时,债务人也不能无限期推迟还款时间并声称不知道债权人这么快就需要这笔钱。
As Ellis mentioned above, 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.
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