And can I borrow and borrow?
Psychologists say that you do not need to borrow and lend. For a person, debt is a great stress, both for the person himself and for the debtor. Even if, the amount is insignificant, which is asked. And you will not be sorry to lose money, they, what do you need? The reason for asking for money seems to be urgent, and you want to help. You think that you will not get back the debt, because you really need the money. Yes, then you are afraid that the relationship will deteriorate because of this debt. After all, it often happens that you do not want to deal with a person to whom you did not give a debt.
Ask for a fairly large amount, if you lend it, you need to close the deposit ahead of schedule, while losing interest and so on. And the person refuses in every way the receipt, says that he wants to do without papers. But you will have to decide. People say that you need to lend, only the amount with which you can part. Do you agree to part with your money for the sake of friendship? If you feel that you are not ready to lend, and can not immediately refuse, tell me what you think. You will find the reason for refusal, so that a close person does not take offense at you.
Tell me honestly that you are going to keep the relationship. To get your debt back, you need to secure a guarantee. Debt without a receipt, it's like a gift, it can not be returned. After all, without a receipt to the court you will not go, it is difficult to remember the place, date and time. The form of the loan agreement can be searched online, then printed and filled out. If the amount that is asked for in debt is large, you can ask for a mortgage for this debt. These things that can be sold, and which do not lose their properties, jewelry is universal in this respect.
Receipt.
A common option is a receipt, it's simple and fast. The receipt is written in the usual form, and is not certified in the notary's office, and when the debt is not paid, the receipt will be the basis to apply to the court. If the amount is significant, you need to take a receipt on borrowing. The receipt is written by the one to whom you lend money. In the receipt you need to specify such data as: Name of the passport data of the person who borrowed, the address, as well as the full name, address of the person who lends and his passport data. The amount should be written in numbers and in words, so that there is no disagreement about the amount. In the receipt you must specify the date of return, and the period for which you are borrowing. Specify without interest or with interest should repay the debt.
In the receipt it is usually forgotten to indicate such an item that it is necessary to do if the debtor does not return the debt in due time, or will return only part of the debt. Then write the date and place of writing the receipt and sign it.
When the debtor does not return the debt, you need to remind him of the refund. Maybe he just forgot? If the receipt is not properly executed, then one must rely only on the conscience of that person. But when there is a receipt, and no one is in a hurry to return the debt, then it is possible to apply to the court. And you can contact the police and accuse this person of fraud, in this case the proceedings will be faster. When you need money urgently, the first option is to take money from friends in debt. How does it turn out on the other side of the debt?
Only then, when you are sure that you can give, you can borrow. On this account banks are well insured, they will not give a loan until they are satisfied with the borrower's solvency. It is bad to take money to cover the previous debt in this way. Can you feel free if you are in debt? It may be better to learn how to economically manage your budget. Although this sounds not very attractive, it can solve the problems of debts, loans, and lack of money.
In conclusion, you can finally answer the question whether it is possible to borrow money and lend money in debt. Why constantly take someone from a debt, you need to live within your means, economically manage and not give, and not borrow from anyone in debt. If you do not want to lose friends, learn to tactfully say no, so that it does not offend them.