charging interest when lending

[boybi]

what can you say about people who charge interest when they lend money to friends and/or relatives? especially those who are not into the business of lending?

[bad driver]

hmmm.... at first glance, it looks bad. but if you think about it, an equivalent of a normal bank interest is FAIR.

but if you want to be too fair, then prepared to be labeled as "stingy". I think a miniscule amount of interest is not worth your reputation being tarnished. let it go

[russpogi]

IMHO, depende sa situation. Kung uutang tapos gagamitin yung money for pleasure like vacations, upgrade to a new car, new appliances, then I will definitly charge interest. Kung emergencies naman especially kung na-ospistal yung anak/kapatid/asawa/parents, di na ko mag-cha-charge ng iterest. Tulong ko na yun. Pero syempre kung gipit ka din, there is absolutely nothing wrong with charging interest sa mga utang kahit friends and relatives. Ang hirap ng buhay ngayon eh.

[boybi]

hindi naman gipit yung pinagutangan. ang umutang is a relative of mine, umutang sya sa relative din nya.

siguro nga kung for pleasure ok lang magcharge ng interest, pero kung ako ang uutangan at alam kong for pleasure, hindi ko na papautangin. kapag talagang gipit, pinapautang ko naman, pero hindi na ako naniningil ng interest. meron nga akong HS classmate dati na nagipit, pinautang ko, nung nagbayad, sobra yung binabayad, interest daw yun. sinoli ko yung sobra and sabi ko mas kelangan nya yun.

[larshell]

IMHO, Mas ok yatang mag charge ng interest kung sa Negosyon gagamitin ang pera parang profit sharing lang yan at kung gipit ang nang-hihiram dahil hindi sya marunong magtipid mas dapat may interest para madala at maturuan ng liksyon.
Sino uutang 10% lang joke

[qman]

kupo utang ng yan ....

Diyan kayo magkakasira ng friend mo or family pagka hindi nagbayad... Well what I do, wala pa rin naman interes pero i do not lend the amount na nais hiramin. Papautang ako ng fraction ng amount na kailangan nya just incase na di ako bayaran maliit lang talo ko pero ang trust ko ang nawala sa kanila.

to answer the query for me okey lang 5%. Pautangero should earn din sa perang papahiram nila ano pa man ang purpose.

[chua_riwap]

what can you say about people who charge interest when they lend money to friends and/or relatives? especially those who are not into the business of lending?

Tawag ba riyan 5-6? When you say "people who are not into the business of lending", ito ba yung mga taong nagpapautang pero, considered as illegal ang business nila, let's say yung mga BUMBAY. Mostly kasi yung mga lending firms, registered sa SEC, at kumpleto sa papeles. Mga Bumbay ata, hindi.

Dami yumayaman diyan.

[nugundam93]

fair siya, especially if agreed upon by both parties.

and minsan din kasi, borrowing from them is faster and easier than sa bank, lalo na if needed sa alanganin. well, in our experience anyway. :D

[empy]

tough call. if you don't charge interest, that's money you lose. kung pinautang mo siya ng 1000 interest free for a year, para mo na rin siyang binigyan ng 50 because you could have earned 5% (or more) on that money.

kung ok lang sa iyo na "binigay" mo yung ganung halaga, pautangin mo na nang walang interest. i do agree with bad driver na pag naningil ka ng interest baka sumama ang loob (even though it's 100% fair)

[flakez]

ako hindi na ko maglalagay ng interest, nagpapautang lang naman ako pag kelangan talaga ung pera. pag for pleasure lang hindi ko na papautangin, siguro bibiruin ko may interest yan. pag kumagat sige. hehehehe