Title: What do you say when borrowing money from others? 10 days of hot topics and practical tips across the internet
Among the hot topics on the Internet in the past 10 days, "How to borrow money from others" has become one of the focuses on social platforms and financial forums. The following is structured data and practical suggestions compiled with hot topics to help you communicate more appropriately when you need capital turnover.
1. Data statistics on the topic of borrowing money that is hotly discussed across the Internet
| platform | Amount of related topics | Hottest keywords | Discussion focus TOP3 |
|---|---|---|---|
| 280,000+ | Borrowing money skills | How to open an application/interest calculation/repayment guarantee | |
| Zhihu | 5600+answers | Borrowing psychology | Credit Maintenance/Rejection Techniques/Legal Risks |
| Tik Tok | 120 million views | Borrow money scene | Loans from relatives and friends/emergency turnover/entrepreneurial financing |
2. Communication templates for three popular loan scenarios
| scene type | Recommended words | Things to note |
|---|---|---|
| Loans from relatives and friends | "I have encountered some temporary difficulties recently... Can you borrow XX yuan temporarily? I will return it immediately after next month's salary." | Clarify the amount/term/take the initiative to write an IOU |
| medical emergency | "A family member has a sudden illness and needs surgery... Can you help with the turnover? Priority will be given to the reimbursement after the treatment fee is reimbursed." | Provide medical record certificate/staging plan |
| Startup Financing | "My project has been approved by XX... Do you consider participating in the form of a loan? Annual return of 8%" | Business plan/mortgage guarantee |
3. Communication steps recommended by psychology experts
1.paving the way: Ask the other person how they are doing first to create a relaxed atmosphere. "How is your work lately?"
2.Frankly explain: Use concrete data to increase credibility. "Because the landlord suddenly wants to take back the house, the deposit requires XX yuan..."
3.solution: Show the repayment plan. "This is the salary flow. You can repay XX yuan every month and it will be settled within 6 months."
4.respect choice: Give the other party room to think. "You don't need to reply now. Can I contact you tomorrow?"
4. 6 effective techniques tested by netizens
| Skill | support rate | Implementation points |
|---|---|---|
| Video call communication | 82% | More sincere than words |
| Offer interest | 76% | Bank base interest rate rises by 20% |
| Installment repayment plan | 91% | Specific to the day of each month |
5. 5 minefields that must be avoided
1.Vague expression: "Maybe soon" → should be changed to "before October 1, 2024"
2.Emotional kidnapping: "If you don't borrow it, you don't trust me" → destroying the relationship
3.Long loan: Multiple people borrowing money from the same social circle are easily exposed
4.Temporary overweight: After borrowing it, he said "I still need it..."
5.delay notification: If you expect to be unable to repay the loan on time, you should communicate in advance.
6. Special reminder from legal experts
According to Article 667 of the Civil Code, it is recommended: ① A written IOU is required if the amount exceeds 50,000 yuan. ② Indicate the purpose of the loan. ③ Note "loan" in the transfer. ④ Save the chat history. Popular cases show that the winning rate for loan disputes with complete evidence reaches 97%.
Warning from a recent hot-search event: An Internet celebrity posted in a WeChat group "urgent need of 200,000 for a down payment" and was transferred by 8 people at the same time. Later, the borrower was not identified, which led to legal disputes. Be sure to achieve "one-to-one clear communication."
Summary: The essence of borrowing money is credit management. The consensus of recent discussions on the entire Internet is——Frank and specific communication + reasonable repayment guarantee = the most likely successful loan request. It is recommended to evaluate your repayment ability before borrowing and maintain your personal credit assets.
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