When people interact with each other when it comes to borrowing, it is generally more headache, because in real life, many loans have a high proportion of overdue repayment or even inability to repay, resulting in many people talking about borrowing money, how to prevent borrowing risks is a very realistic topic.
1. Prevention of lending risks. When borrowing money between friends, the amount is not very large, this situation generally does not need to consider the risk, because even if there is a risk in this situation, it is within the range of bearability, mainly when borrowing a large amount, if the risk occurs in this situation, then both parties can not bear it, for large loans or guarantees, it is recommended to do the following risk prevention work, 1Check whether the other party has entered the list of the untrustworthy on the person subject to enforcement information network, and if it is already a person on the list of the untrustworthy, it should be directly vetoed. 2.If it is not a dishonest person, then require the other party to provide a guarantee for real estate or vehicles of greater or equal value (note that the mortgage registration must be handled, and only after the mortgage registration can it have the priority right to be compensated), if the vehicle or real estate has been registered as a mortgage and the residual value is insufficient, the recommendation is also directly vetoed. 3.For a large amount of security, the counterparty is required to provide a counter-guarantee, and the mortgage registration must also be completed. Special attention: large loans, guarantees must be cautious, never take risks without security, would rather lose a friend (in fact, this kind of can not really be considered a friend, this kind of risk may lead to their own bankruptcy, how can a real friend put their friend in danger?).）。4.Special attention: large loans must be made through bank transfer, and loans of more than 50,000 yuan must be transferred vouchers or other evidence that can prove that the loan has been provided (private loans belong to the practice contract and the loan is only effective when the loan is delivered). 5.Out of friendship, if you don't calculate the interest, you don't need to write the interest, if you want to calculate the interest, you must write the interest (write according to the actual agreement, note that it is not more than four times the LPR), in addition, it is especially necessary to pay attention to the agreement on the IOU, if the loan is not repaid at the agreed time, you need to bear the litigation costs and attorney fees of the creditor filing a lawsuit. 6.Make a copy of the other party's ID card.
2. How to properly deal with borrowing money and not repaying. When you encounter this problem, normally you are not doing a good job of risk prevention, so you are very passive. After the repayment time agreed in the IOU (IOU) has arrived, and the other party cannot repay the loan on time, or even plays missing, in this case, you must exercise your litigation rights in a timely manner, file a lawsuit with the people's court with jurisdiction in accordance with the law, and prepare the following materials: 1IOU (IOU), copy of ID card;2.Bank transfer records;3.Civil Complaint. After preparing the above materials, file a lawsuit with the people's court with jurisdiction.
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