Buying a house is a very big expense. Generally, the down payment is only about 30%, and the loans in the future cannot be less every month. If you want to borrow the down payment from your relatives, it will be difficult to pay it off in a short time.
In a fast-paced society, every household has its own difficulties. Wealthy families need more money to invest and operate, and ordinary families also have their own expenses.
However, house prices wait for no one. If it's only a small gap, you can still turn to your brothers and sisters.
Seeing this problem, I am very interested, so I will briefly say my little opinion.
It is normal for you to buy a house and borrow money from your relatives. Everyone will encounter difficulties. It is also appropriate for relatives and friends to help each other, provided that relatives don't lend it to you. Have you borrowed too much, beyond the ability of your relatives? Or did a relative lend it to someone else but didn't lend it to you? Or are many relatives unwilling to lend it to you, and you don't know how to reflect and are full of resentment, which is your own reason?
First of all, you should hold a grateful heart, and then borrow money from your relatives with a sincere attitude, because it is estimated that no one in the world will help you except your parents, and all relatives are treated equally. Imagine, have you ever helped your loved ones when they are in trouble? If you once helped him, but now you need help and are turned away, such relatives are not harmonious. On the contrary, you are being unreasonable.
As for what you said, your relatives won't lend it to you. In this case, it is estimated that the problem lies with you. It's not that all your relatives are not affectionate and don't care about their own blood relatives. You should reflect on yourself, whether you didn't do well enough at ordinary times and hurt your loved ones' hearts.
In short, borrowing money is not hard, has a bad personality and is not a blood relative. These points are indispensable. No one will lend you money unless you can reach it. As for you, you don't think your relatives will lend you money, saying that people look down on you and you won't get along with others, and so on. Maybe your relatives are waiting to get along with you in the future, so be careful!
People, that's it. Don't take it personally. When I was building a house, someone lent me 50 yuan and someone lent me 10000 yuan. My sister didn't lend me a penny. I don't blame her or my brother-in-law. On the other hand, it is not necessarily good to borrow 10 thousand yuan. My sister won't lend me a penny, which is not good. My sister still loved me the most when I was sick. So now I see more people's sincerity. The person who lent me money may have his own ideas. It's normal that he's afraid that you won't come yet, so we'll fight for breath. Work hard in the future and show him the results. Don't ignore him either, but don't go near him either. If there is entertainment between relatives, go. Usually only you have told you, and they have told them. We'll know what's going on. Maybe they're hiding something, too Let's enlarge our thinking!
Under the condition of market economy, the relationship between people is money, and relatives are also unfavorable. It's best not to borrow it. If you go to someone else, that's normal.
People don't owe you anything, so why should I lend it to you? Are you able to repay it? Do you keep your word? Most people don't have much credit now. You were a grandson when you borrowed money, and the person who lent you money was Lao Tzu. However, once it is lent out, the relationship will be reversed immediately, and the person who owes money will become Lao Zi and the borrower will become a grandson. Can you get it back? When can I get it back? Do you have to make a big one?
It is best to borrow it from the bank and add some interest. This is the law of the market. Borrow from relatives and friends, a few hundred yuan is ok, and the amount of buying a house is huge. If you borrow it, how can others live? If you don't lend it to you, you will feel that others look down on you and ask for trouble.
In short, don't borrow money to test humanity and friends. You will be disappointed. It's not someone else's fault, it's your problem.
It is normal not to borrow. How many people have spare money? Buying a house often costs hundreds of millions, and there are many down payments. After making up the down payment, you have to pay a large sum of money every month. What do you want in return? Unless you have a stable income from opening a shop, or your monthly salary is high enough, you can guarantee to pay back the money. If your income is only enough for food and clothing, why should people lend it to you? If someone asks you for money, will you lend it?
Look down on you must be because you are not doing well at present. If your career is booming, who dares to look down on you? So you don't have to ask relatives for loans to buy a house. Since you want to buy a house with a loan, don't blame others for looking at you with a secular eye. Don't be dragged down by these things. The urgent task is to open up more financial resources and make more money. Only by living your own life will others look at you.
What are relatives? It's just a group of special people who look down on you when you are down and out, envy and hate when you are rich, and then they all come to curry favor with you and steal your light. When I was a child, I bought you a steamed stuffed bun. They can say it a hundred times, but when you are unlucky, your relatives are farthest away from you.
Not to mention relatives. If you don't get along well, your parents will look down on you. Therefore, there is no other way to make yourself strong. When you are strong, they will lend you money, so that they can get much higher interest than bank loans!
This is the reality!
On this question, my answer is, even if others don't borrow money, don't be too sad, or keep normal contacts.
The reason for this is the following：
First, there are many ways to borrow money, such as small loans, credit cards and private loans. If you can borrow money from these channels, don't talk to relatives and friends casually. The days of borrowing money from relatives and friends for free for several years have passed. Now inflation and currency depreciation lend you100,000, and two years later you will pay back100,000, and the actual purchasing power will become 80,000, so people will cut their meat for nothing. What do you think?
Second, every family has a difficult experience, and no amount of money can be spent. Every family has its own affairs, its own plans and arrangements, how capable it is to do many important things, such as home investment and financial management, and there is no spare money at home.
In this impetuous society, everyone's life is not easy, but we must understand. Only self-reliance is fundamental!
You can't be angry when you borrow money from relatives to buy a house, but you won't lend it to you. It depends on why your relatives don't borrow it. If you hadn't borrowed so much money, your relatives wouldn't have lent it to you. It is also possible that your relatives can't take it out regularly at the bank. It is also possible that relatives overcharged for business. There is a reason, and so on. You can't lose contact when you get angry.
When borrowing money in social life, we should distinguish the distance between relatives, aunts, uncles and grandfathers. Whoever has money will help you as much as they will, and they will not give you much when they are old. You should have a correct understanding and understanding, and don't get angry. In short, borrowing money is a matter of asking for help, and it is not easy for anyone to get money. Borrowing more and borrowing less is ungrateful, grateful, caring for others, paying back when you can, and getting your intimate relationship back.
Again, it depends.
First of all, it depends on whether you plan to buy it in full or in installments. If you buy it in full, what is your gap and your repayment ability? How is your beer in the eyes of relatives?
If you pay by installment, that is, if you can't even make up the down payment, your relatives will definitely worry about your repayment ability.
Needless to say, borrowing money from relatives. If you don't borrow money, it will rise to contempt. Is it necessary to have such a serious relationship? Let's put ourselves in the shoes first. If your relatives come to borrow money from you, will you consider it?
This man borrowed money from me when he bought a house. Is the loan amount within my ability? You want to buy a house. How much money do you have now? How big is the gap now? What's your income, what's your present situation, and what's your character like? Are you going to pay in one lump sum or by installments? These are all things that borrowers should consider, and this is not about buying a small object, hundreds or even tens of thousands of things.
Buy a house in full.
If so, you should consider how much money you need, at least two thirds, and the rest is borrowed from brothers, sisters and relatives, but there is a premise: have you helped other people in need before? If not, don't go.
If you don't even have money, don't ask.
Payment by installment
If you plan to pay by installments, unless it is possible, borrowing money is only a temporary emergency, that is, if you are starting a business, you will get a sum of money soon, or the income is good, but it is not payday yet.
How to deal with this.
Suggestion: If you have no money, don't buy it for the time being, and then buy it when the conditions are ripe. There is no need to make trouble between relatives. When you may ask him in the future, forget it. Try to create conditions and try your best.
Is it necessary to communicate?
I think it is necessary. I don't want to meet anything. After a few years, all my relatives and friends are cut off. People will inevitably encounter many things in their lives. Obviously, it is difficult to face, and it cannot be done by one person. If this relative has hurt your self-esteem deeply, my advice is not to make enemies when you can't stand alone.
Conclusion: Think again, first consider whether this relative has any difficulties, and also reflect on himself appropriately. Then, combined with the actual situation at that time, think about buying a house at this time, and the conditions are not met.
If you borrow money from your relatives to buy a house once, if they don't, forget it, and don't worry. After all, others have no obligation to lend you money!
Once, when I was studying, my family was also very poor. My brother-in-law had a car accident and needed money badly. My parents took my sister to borrow money from all my relatives, but they didn't get any money in the end. Maybe everyone thinks my sister can't repay it!
Later, my parents and my sister became rich. We used to borrow money from our parents and sisters instead of helping our relatives. My mother and I are very angry. At the beginning, our family was so difficult that everyone looked down on us. Now we have the nerve to borrow money! But my sister didn't care, but lent it to tens of thousands of relatives! Sister thinks they are close relatives, don't make trouble for money!
It is not easy for everyone to make money. People who can lend you money are people who value friendship and deserve to be cherished. The person who didn't lend you money may have his own ideas and difficulties, so there is no need to insist!
Be a man and do things as independently as possible. If you have money to buy a house, you can't borrow money yourself. Wait until you have enough money to buy it!
Put yourself in others' shoes and you will know what to do.
What is the lender most worried about? Borrowing money to hate, you can't get it back.
If you want to borrow money, you must first relieve people's worries: issue a debit note stating the amount, interest, repayment period and how to repay it, and then sign it (and write down the ID number).
Some time ago, I borrowed money from my classmates, which is how I operated. It was presented orally on the first day and received in full the next day. I immediately sent an IOU through WeChat. Because it was returned in a short time, the students refused to charge interest.
Ask someone to give it as soon as you open your mouth, or you want to cut off contact if you don't give it. Guess you'll end up alone.