借錢給親友的五大黃金法則

Rule 2: Lend Just What You Can Afford to Lose
法則2：借出的數(shù)額在你能承受的范圍內(nèi)

Your friend or family member may check all the boxes for being trustworthy, financially stable and reliable, but “things can happen that prevent them from paying you back as originally planned,” says Byron Ellis, a Certified Financial Planner (TM) and managing director at Ellis and Ellis, a division of United Capital Financial Advisers in The Woodlands, Texas.
你的朋友或親人可能會(huì)在借錢時(shí)向你承諾自己是守信、經(jīng)濟(jì)穩(wěn)定且可靠的人，但拜倫?埃利斯表示，“可能會(huì)發(fā)生什么事導(dǎo)致他們不能按時(shí)還款”。埃利斯是一名注冊(cè)金融理財(cái)師，也是美國(guó)德克薩斯州伍德蘭市聯(lián)合資本金融顧問(wèn)公司Ellis & Ellis部門的總經(jīng)理。

If your loanee does get in a bind, a best friend or family member is going to be relegated to the end of the payback line, “behind the mortgage company, the credit cards, the auto loans, etc.,” says Ellis. Now, imagine your stress level and the tension that would rise between you both if you actually needed that money—and she couldn’t repay you.
他認(rèn)為，如果債務(wù)人真的陷入困境，那么好朋友或親人的還款時(shí)間可以推到最后期限，“在對(duì)方還完房貸，信用卡和汽車貸款等之后”。現(xiàn)在，想象一下當(dāng)你確實(shí)需要那筆錢，但對(duì)方卻不能還你時(shí)，你的壓力會(huì)倍增，兩人的關(guān)系也會(huì)越來(lái)越緊張。

Bottom line: Be prepared for the worst by giving only an amount that, if never returned, wouldn’t jeopardize your own savings goals, bill-paying ability or other relationships.
底線：做最壞的打算，借給對(duì)方的錢只占手頭上的一部分，如果對(duì)方不能償還，那筆資金也不會(huì)打亂你的存錢目標(biāo)、付賬能力或其他人際關(guān)系。