借钱给亲友的五大黄金法则

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.
你的朋友或亲人可能会在借钱时向你承诺自己是守信、经济稳定且可靠的人，但拜伦•埃利斯表示，“可能会发生什么事导致他们不能按时还款”。埃利斯是一名注册金融理财师，也是美国德克萨斯州伍德兰市联合资本金融顾问公司Ellis & Ellis部门的总经理。

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.
他认为，如果债务人真的陷入困境，那么好朋友或亲人的还款时间可以推到最后期限，“在对方还完房贷，信用卡和汽车贷款等之后”。现在，想象一下当你确实需要那笔钱，但对方却不能还你时，你的压力会倍增，两人的关系也会越来越紧张。

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.
底线：做最坏的打算，借给对方的钱只占手头上的一部分，如果对方不能偿还，那笔资金也不会打乱你的存钱目标、付账能力或其他人际关系。