正如埃利斯以上所提,收取利息并在还款时间表中给与说明是明智的选择。根据借款金额的不同,借钱也包含许多复杂的税收规定,未能收取利息可能使你陷入困境。为了避免这种情况,你需要以适用联邦利率(APR)作为利息向借款人收取费用。
Rule 4: Always Put the Loan in Writing
法则4:借款须有书面记录
Memories fade, priorities get shifted and clashing opinions over what you originally agreed to can cause problems between friends or family, says Priyanka Prakash, a finance specialist at Fit Small Business and a former business attorney.
普里扬卡•普拉卡什现任Fit Small Business的融资专家,也曾是一名商业律师,她表示,记忆退化、重心转移及对原先共识产生分歧都可能为自己和朋友或亲人间造成困扰。
Another benefit to having the amount and conditions in writing: Drawing up an official loan document makes it more likely that the borrower will take the loan seriously and pay it back on time. “So if you miss a payment, this is the piece of paper that we’ll look at that’ll help us to decide what to do, so it moves the friendship out of the way,” adds Ellis.
借款金额和条件有书面记录的另外一个好处是:制定正式借款文件会使借款人更认真对待此事并增加按时还钱的机率。埃利斯补充道:“如果没有收到还款,我们可以根据借款文件行事,这时候就得把友谊放在另外一边了。”
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