How to lend money correctly so as not to lose friends and money?

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Relatives and friends often approach people with requests to borrow money. It's hard to refuse them. But the money is not always returned to its owner on a pre-agreed day. But what can you do if it is a close friend or acquaintance? Not everyone is able to take out a mortgage loan or get a loan for the development of small and medium-sized businesses.

Then the thought comes: was it possible to lend money? This is not a bad question, considering the large sums of money that some people fearlessly part with. In such a situation, do not forget about banks that provide loans for different amounts and for different periods. It is worth offering a solution to your friends’ problems in the form of a bank loan.

You can borrow a small amount of money without fear. Exactly as much as you wouldn’t be sorry to lose. The rule is reliable and proven.

Recently, some people have started asking to lend money at interest on the Internet. They are certainly in no hurry to repay the debt. Before lending money to someone again, it is worth analyzing situations where they were not returned on time. If in doubt, it is better to refuse.

When borrowing a large amount, it is a good idea to enter into an agreement. You can write down the most important points: how much, when and to whom you need to lend.

General signs

It is important to choose the right time for any monetary transactions. First of all, focus on the lunar cycle:

you need to return previously taken money only when the Moon wanes;
borrow - when it grows.

Some astrologers believe that it is necessary to borrow money only on the waxing Moon. At this time, monetary energy remains, which will increase your well-being. You will easily return the borrowed amount and will no longer be in serious need. This will only work if you took the money with pure intentions and a desire to return it as quickly as possible.

There are several days of the week when you cannot give money, so you should rely on folk wisdom in this matter:

Monday is an unfavorable day for any calculations, bill payments, or other manipulations;
Tuesday – you shouldn’t get involved with debt obligations, otherwise you’ll have to borrow money for the rest of your life;
Sunday - you cannot borrow or lend, as this attracts lack of money and failure in trading.

The remaining days are considered favorable for conducting financial transactions. Exceptions are Maundy Thursday and Good Friday, since at this time it is worth renouncing everything worldly. But it’s worth remembering one rule: you should definitely repay debts and borrow in the morning or during the daytime. In the evening, it is better not to touch money at all unless necessary.

It is always better to transfer money to another person folded in half, with the fold pointing away from you. It is believed that this is how you pave the way for wealth to come to you. For this purpose, it is better not to borrow from other people at all, but to lend to them. This way you will program money so that it comes back to you.

Penalties for late repayments

You have the right to establish both interest and fines for delays committed by the debtor, specifying these conditions in the receipt. For the debtor, this is an additional incentive to treat their financial obligations responsibly.

There are several options for how to establish the procedure for calculating fines.

You can indicate that if the debtor does not pay the debt in full within the prescribed time frame, he will have to pay a fine.
Another option is for the debtor to pay double the interest after he repays the debt.
Finally, the receipt can state that the fee for using the issued funds will be equal to 1% daily after a certain date.

We borrow money based on signs

Now let's figure out how to lend money. Signs provide an answer to this question:

In the evening, you cannot give bread and money from home, otherwise you will live in need. Don’t give salt away from home at all, you’ll bring trouble.
If you give money on Tuesday, you will soon have to borrow it yourself.
Lend it on Sunday - the money will not be returned to you.
Borrow the amount you can lose. If you have a precarious financial situation, then it is best to refuse the borrower. You can’t give away the latter, even to a loved one.
When handing over the banknotes, say the saying: “So that you and I will always have more.”
When the debt is returned to you, keep your left hand in your pocket, twisting the fig.
If the 13th falls on Monday, beware of lending money - the money will be gone forever and your well-being will be dragged down with it. The same thing happens if you borrow them for the Annunciation (April 7).
If you are dealing with a person in a difficult financial situation, then you cannot transfer banknotes from hand to hand: put them on the table, in an envelope, or transfer them to a bank card. This will become an obstacle to the transfer of negative energy of poverty from another person. It is best to use some surface for this every time you accept or transfer money: a table, a chair, a bed, the ground. The fastest way to remove negatives from banknotes is wood; when you get your money back, come home and leave it on a surface made of this material for about an hour. The only limitation is that you should not use the dining table for such “cleaning”; it already absorbs a lot of negative energy. By transferring it to money, he is able to stop the flow of money into your home.
Be sure to set the condition that the debt be repaid to you in the same bills, but not in smaller ones.
Do not give amounts with the number “2” at the beginning. You should also refrain from using banknotes with this denomination.
Always pass bills with your right hand and accept them with your left. This sign even has a scientific basis: the left hemisphere of the brain is responsible for logic, and the right for the manifestation of feelings. That is, you need to give money thinking rationally, and take it back with emotions. There is also another interpretation: when giving the amount with your left hand, you do it with a pure heart.

Additionally, a security whisper can protect you. When transferring money, say one of the following phrases three times:

“Not for decline, only for profit. Now I’ll give it, then I’ll get it twice as much. That’s exactly how it will be!”
“I borrowed it, I didn’t receive it as a gift, you (name of the debtor) ran into the wrong person! Bring it back, bring it yourself. Let it be so!".

You can whisper these sayings to yourself, they will still work.

It happens that the debt is returned to you with a scandal. In this case, it is necessary to protect yourself from poverty and bad slander. A simple ritual will help remove negative energy - wash both door handles with clean water. Then pour the water outside and throw the rag you used away from the house.

A ritual that closes the path for the borrower

If the same person constantly borrows money from you, then you need to solve another problem - how to stop this cycle. It’s interesting, but you can do this on the day when you can lend money. Signs recommend performing the ritual:

Give the person money in a larger bill and ask for change.
If he doesn't have the bills to return to you, then he should go and change them.
Keep the change until the person brings the money back.
Give him back the change after repaying the debt.

If you complete all the points, then this person simply will not want to contact you again. Change the ritual a little, just keep one of the change bills, and then return it just like that, without other conditions.

To a private borrower

There are many fraudulent schemes in the field of private lending. The borrower is also at risk. Sometimes in very large amounts.

lack of obvious interest in the solvency of the borrower (the fraudster does not care whether there is money to repay the debt, since he is not going to borrow anything);
failure to provide specific information about yourself in a timely manner;
requirements for prepayment or insurance contribution (allegedly for taxes, bank services, postal services, solvency checks, etc.).

Who should lend and who shouldn't?

Pay attention to the person you are lending money to. Signs tell you who you shouldn’t lend to:

It is better not to deal with poor people, as they can transfer their energy of failure and poverty to you along with banknotes.
You shouldn’t lend to big spenders, otherwise your money will go to no one knows where.
It is better not to have financial relations with relatives if you do not want to quarrel with them. The fact of a loan is not always the cause of discord; most often, misunderstandings arise on other grounds.
If a wealthy person asks you for money, then you can get positive energy back from him. It will help you increase your capital.
You should not lend to the person from whom you yourself once borrowed. This will lead to quarrels and losses. You are likely to experience a dramatic change in your financial situation.

If a person owes you, then you should not accept help or other services from him. In this case, you may not receive a refund of the entire amount or even part of it. Most likely there will be a major quarrel in which a lot of unnecessary things will be said on both sides.

How to borrow money correctly

Most often, if need comes to the house, people are interested in only one thing, on what days they cannot give money. In fact, folk wisdom regulates the entire procedure. To avoid going broke, you need to do the following:

take the money with your left hand;
be sure to count them;
put it in your wallet;
do not spend them on the same day - let the monetary energy settle in your home.

It is best to choose the wallet that will help increase your capital. According to legend, you should use full-size models in red or green. Also be sure to take into account the day of the week on which the financial transaction will take place.

Do not take on debt in the last days of the outgoing year, otherwise you will turn away your financial luck for another 365 days. No matter how hard you try, you won’t be able to make money. Problems will also arise with the return of the amount; it will make a hole in your family budget.

When receiving money, say out loud or to yourself: “So that yours will increase and yours will multiply.” Well, if you borrow the required amount from a wealthy person, with it you will receive part of his luck. You should not resort to the help of unfamiliar people, because you do not know their financial situation.

Many people believe that financial relationships with relatives fit the definition of when debts cannot be repaid. Be sure to return the money to them first so that they do not ruin the relationship between you. From an energetic point of view, it is best to turn to your loved ones in difficult times, since you have a similar biofield. If you attract funds from a stranger, the energy balance in the house will be shaken.

How to repay a debt so that your luck doesn’t run out

First of all, you need to remember on what day you cannot repay the debt. You should not do this on Monday, Tuesday, Friday, Sunday, or church holidays. In order for money to be transferred, several conditions must be met:

Carry out all manipulations only in the morning.
Do not pass money through the threshold; in general, it is not worth passing anything through it. Go into the apartment, say hello and, best of all, put them on the chest of drawers or cabinet.
Always repay a loan with pure thoughts and a good mood. Don't regret this amount to attract financial luck and prosperity.
Do not try to give money in larger bills; it is best to exchange them in smaller ones.
Fold the bills in half and pass them with your right hand. This will help convey them with positive energy. If you position the folded edge away from you, it will save you from running out of money.

But the most important thing is not to violate the days when you cannot give money.
Signs say that this will lead you to financial ruin. You can fold the bills incorrectly or hand them over; this will not bring as many problems as carrying out manipulations on church holidays or on Monday. Ask your question to granddaughter Anna here

Loan agreement: rules for execution

When the loan amount is more than 10,000 rubles, the loan agreement is drawn up only in writing. It is better to also write a receipt confirming receipt of the exact amount of money. This is specified in the Civil Code.

The loan agreement is a legal document. The receipt only confirms the amount of the loan transferred and is not recognized as an agreement. But words written incorrectly in it can be considered grounds for refusal to initiate a claim against the other party. This is the reason why all documents must be drawn up according to the rules if the borrower is given a large amount.

A sample loan agreement can be found on the Internet; it is easy to draw up. It is necessary to describe in detail who takes it, when and how much, when it will be given back and under what conditions. Particular attention should be paid to the return of the borrowed amount - what will happen if the borrower violates the deadline. If the loan agreement or receipt forgot to indicate the loan term, then it will be established according to the Civil Code. The borrower must pay the entire amount 1 month after the lender's first request.

By law, interest can be charged on the use of funds. They can be fixed or change based on the conditions specified in the contract. If the loan agreement does not say anything, it is concluded for an amount less than 100,000 rubles, then it will automatically be considered interest-free. For a loan over 100,000 rubles, the court will apply the key rate (4.5% as of June 2020). It is established even if the loan agreement does not include interest on the loan.

For the safety of settlements, penalties are provided. They can be described as a loan of money or an increase in interest rates. In the contract you can write:

“In case of untimely payment of the debt, a fine of 10,000 rubles is imposed”;
“If the money is not returned on time, the interest rate will be 10% of the amount.”

Important! If an agreement is drawn up with security for the borrower’s valuable property, then such a document must be registered with a notary.