Reason one, 300,000 principal 3% interest per year, the equivalent of 9,000 yuan per year to you, calculate 300,000 only to the interest needs 33 years to earn enough to earn your own principal of 300,000 yuan, the equivalent of your investment in others. This is still the premise of your classmates to invest in successful compliance with the credibility of the premise, otherwise, you will be blood money.

Reason two, once a classmate breaks the contract, the lawsuit is very troublesome, time and energy consumption, the loss is not worth it, affecting their normal life.

The third reason is that once your classmates fail to pay you back, you will become enemies, and you will be depressed and in a bad mood, which will affect your health.

The fourth note, the annual interest rate of 3%, that is, a little higher than the interest rate of the bank, but also have to bear the risk of really not cost-effective.

Reason five, he took 300,000, according to the 3-year deposit fixed-term deposit, the annual interest rate is basically are more than 3%, the bank, basically no risk.

Reason six, he took 300,000, buy preferred funds, long hold basically annual return rate will be more than 3%.

So don't borrow money, lest you lose more than you gain. Investment can go to the bank loan, this way, there is pressure, there is a bank call, your classmates take the risk themselves, he will be cautious to invest, but also in front of the pressure, good business, are not related to you.

Remember, others invest, we can not take the risk for others. This is the principle of being human.

Real case, I have a cousin, investment hotel, borrowed her brother 200,000 yuan, said 5,000 yuan per month, but also 100,000, hotel operating difficulties, unable to pay back, the two people a resentment, a guilty conscience, are in an uncomfortable mood. This is better, at least the monthly repayment, rather than only 3% interest, otherwise, the brother lost a lot of yo.

Just personal advice, according to their own situation, their own decision.

It is recommended to think twice before you act.

The key is the relationship between you and your classmates, whether the degree of iron is worth borrowing him 300,000 yuan. The other is whether the classmate is reliable? The first thing you need to do is to get your hands on a new one, and you'll be able to do that. The first thing you need to do is to get your hands on a new one, and you'll be able to do that. The first thing you need to do is to get your hands dirty.

Understanding these issues, you can make a decision for yourself.

No borrowing, this kind of friend directly pull black. Don't ask why!

Empty gloves, typical fraud, and then call to talk about borrowing money, directly to the police.

Do not agree, save the bank more than this, borrowing classmates, there may be no return, borrowed, there may not consolidate the friendship of classmates, there is the possibility of turning into a hater, he promised to be worthless

Should not agree.

First, since it is borrowing money, and promised to give you a certain amount of interest per year, ask me how I did not see how long to borrow installments a few years to return? Since you did not ask your classmates did not say a few years, then your classmates borrowed your money can be borrowed indefinitely, the mood is good if you return to you as soon as possible, the mood is not good if you drag a hundred years and two hundred years and then return to you, anyway, when you borrowed the money and did not mark the specific repayment date.

Secondly, there is a saying that "I borrowed money on the basis of my ability, why should I return it?" Some of the scoundrels are with this mentality to borrow money, in case your friend is this kind of person? If in the end your friend "borrowed your money before is a grandson, looking for him to pay back money is a grandfather," this situation can be a problem.

Third, since your friends want to open the restaurant, ask you or your friends on the local catering industry have any understanding? What is the input-output ratio? How long will it take to recruit customers and generate benefits? How long will it take to recoup the investment cost? If the industry is too many competitors too strong, resulting in your friend's restaurant business difficulties, so as not to ensure profitability, ask him how to return your money? The first thing you need to do is to get your hands on a new one, and you'll be able to do that.

Fourth, the borrowing rate of only 3%, feel a bit like sending a caller, after all, some users say that even if you put your money into the bank to save a fixed period of time to eat the interest rate is more than this number, right?

By the way, we suggest that your friends look at the interest rates of online formal borrowing platforms, such as Alipay's chants, micro-credit, Baidu's degree of full, the borrowing rate of at least 18% annualized start, borrowing your money only to give you 3% and in the case of the return of the full part of the principal of the distant future is indeed a bit of a send off.

Fifth, the last point is that your friends do business to open the hotel also look for you to borrow money, an opening is 300,000, say this is not afraid of flashing tongue?

By the way, 300,000 is not a small amount, ask you to get out of it. 300,000 for many families are hard work and save half a lifetime of huge sums of money. I think you take this huge amount of money to lend your friends to invest in business is not cost-effective, because even if he earned money neither to give you dividends, not to give you dry shares, people in the restaurant eating meat bones will not give you a bowl of broth to drink, at most, is to give you a little bit of interest is not as high as the bank, even if the people do not do the restaurant loss may not even have to give you the capital. To put it bluntly, you borrowed his money purely things to do a good job you do not fall good not your turn to benefit from your soup and eat meat, dry smashed to you half of the life of that kind of thing.

The last thing is, I borrowed money on the principle that you lend me money I will do what I can, will not be swollen face. If you look for me to borrow three hundred thousand, and I only have thirty thousand, then I can only lend you thirty thousand. You love to do not, if you think the fly small enough to eat go well not send, and I borrowed money but to have a loan note and other evidence, if you do not pay us to see the court, can only be the first small man after the gentleman.

With the property against the pressure, charging 1% interest can be, since it is a classmate, it is also considered to help him. Otherwise, not to pressure, give more high interest rate do not lend him, now the business of the general profit is not high, not good to do.

You still borrow what he did, to him is not finished.

Not to borrow. The bank also wants 4%, not to mention that you have to bear the business risk. Why he wants to borrow money from individuals, I analyze, probably the bank loan out or want to borrow money not to return

Less than ten points can not do

Refuse to borrow money from others is a Chinese essential survival skills.

Borrowing money is like splashing out water, you can't get it back!