{"id":445,"date":"2018-02-27T01:45:01","date_gmt":"2018-02-27T01:45:01","guid":{"rendered":"http:\/\/www.2link.ca\/bugetfamilial\/?p=445"},"modified":"2018-02-27T01:46:45","modified_gmt":"2018-02-27T01:46:45","slug":"imprumuturi-de-la-prieteni-sau-rude","status":"publish","type":"post","link":"http:\/\/www.2link.ca\/bugetfamilial\/2018\/02\/27\/imprumuturi-de-la-prieteni-sau-rude\/","title":{"rendered":"\u00cemprumuturi \u00eentre prieteni sau rude"},"content":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/02\/27\/imprumuturi-de-la-prieteni-sau-rude\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/02\/27\/imprumuturi-de-la-prieteni-sau-rude\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div><p>Este o \u00een\u021belepciune repetat\u0103 de orice popor \u00een zeci de zicale \u0219i pove\u0219ti care ne \u00eenva\u021b\u0103\u00a0c\u0103 n-ar trebui niciodat\u0103 s\u0103 lu\u0103m\/d\u0103m bani cu \u00eemprumut de la prieteni sau rude. De ce n-ar trebui s-o facem? E simplu &#8211; pentru c\u0103 \u00een aceste cazuri oamenii se bizuie pe leg\u0103turi emo\u021bionale \u0219i rareori pe contract, chiar \u0219i c\u00e2nd acesta exist\u0103. Pentru c\u0103, \u00een cazul nerespect\u0103rii condi\u021biilor \u00een\u021belegerii, vor ap\u0103rea resentimente &#8211; a celui care a luat bani pentru c\u0103 i se cer \u00eenapoi sau, poate, pentru c\u0103 de\u0219i \u0219tie c-a sosit timpul s\u0103-i dea nu e \u00een m\u0103sur\u0103 s-o fac\u0103 (\u0219i ura de sine se transfer\u0103 repede \u00een ur\u0103 fa\u021b\u0103 de creditor); creditorul acumuleaz\u0103 frustr\u0103ri pentru c\u0103 nu-\u0219i vede banii.\u00a0<!--more--><a href=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/pusculita.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-447\" src=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/pusculita-300x225.jpg\" alt=\"\" width=\"300\" height=\"225\" srcset=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/pusculita-300x225.jpg 300w, http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/pusculita.jpg 400w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>\u00cen acela\u0219i timp, pe c\u00e2t de r\u0103sp\u00e2ndit\u0103 este pova\u021ba\u00a0tot pe at\u00e2t de \u00eenc\u0103lcat\u0103 este. Este un fapt. Uneori vom fi la anaghie sau vom ceda impulsului de a ajuta o persoan\u0103 apropiat\u0103. Iat\u0103 ni\u0219te sfaturi, pentru fiecare din p\u0103r\u021bile implicate, care pot\u00a0minimiza \u0219ansa ca \u00eemprumutul s\u0103 devin\u0103 un cap\u0103t de drum.<\/p>\n<h3>Sfaturi pentru CREDITOR<\/h3>\n<ul>\n<li><strong>F\u0103 un contract<\/strong>. Optim ar fi un contract notarizat, cu garan\u021bie. Dac\u0103 asta nu este posibil sau agreabil, ca minim, scrie pe o h\u00e2rtie condi\u021biile absolut clare ale contractului \u0219i cere o confirmare sau o semn\u0103tur\u0103 din partea debitorului. Este\u00a0uimitoare c\u00e2t de diferit \u00ee\u0219i vor aminti p\u0103r\u021bile condi\u021biile\u00a0c\u00e2nd vine timpul scaden\u021bei. \u00cen lumea anglosaxon\u0103 se accept\u0103 \u0219i contracte verbale DAR trebuie s\u0103 includ\u0103\u00a0un set de lucruri precise pentru a fi considerat un contract:\n<ul>\n<li>suma precis\u0103<\/li>\n<li>data la care aceast\u0103 sum\u0103 este dat\u0103 \u0219i c\u00e2nd trebuie returnat\u0103<\/li>\n<li>metodele prin care este dat\u0103 \u0219i primit\u0103 \u00eenapoi suma<\/li>\n<li>dob\u00e2nda (dac\u0103 e cazul)<\/li>\n<li>orice alt\u0103 condi\u021bie mutual acceptabil\u0103.<\/li>\n<li>penaliz\u0103ri mutual acceptabile<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Dac\u0103\u00a0debitorul este ofensat de dorin\u021ba de a scrie condi\u021biile \u00eemprumutului, nu v\u0103\u00a0lega\u021bi la cap. Dac\u0103 e at\u00e2t de sensibil \u00eenainte de a lua banii, \u00een mod cert va fi super-sensibil c\u00e2nd vine vremea s\u0103-i dea.<\/p>\n<figure id=\"attachment_446\" aria-describedby=\"caption-attachment-446\" style=\"width: 300px\" class=\"wp-caption alignleft\"><a href=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/China-US-creditor-debtor.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-446\" src=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/China-US-creditor-debtor-300x119.jpg\" alt=\"\" width=\"300\" height=\"119\" srcset=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/China-US-creditor-debtor-300x119.jpg 300w, http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/China-US-creditor-debtor-768x304.jpg 768w, http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/02\/China-US-creditor-debtor.jpg 936w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><figcaption id=\"caption-attachment-446\" class=\"wp-caption-text\">\u0218i la \u021b\u0103ri rela\u021bia de creditor-debitor merge la fel de prost ca \u0219i \u00eentre oameni.<\/figcaption><\/figure>\n<p>Nu l\u0103sa\u021bi nimic \u00een aer, neclar. Exprim\u0103ri de genul &#8220;<em>s\u0103 mi-i dai c\u00e2nd po\u021bi<\/em>&#8221; nu \u00eenseamn\u0103 nimic &#8211; debitorul va argumenta\u00a0c\u0103 \u00eenc\u0103 nu poate. Desigur, creditorul g\u00e2nde\u0219te &#8220;<em>c\u00e2nd po\u021bi, dar trebuie s\u0103 po\u021bi \u00een\u00a03 luni<\/em>&#8221; iar debitorul g\u00e2nde\u0219te &#8220;<em>p\u0103i, c\u00e2nd o muri bunica, atunci cred c\u0103 voi putea<\/em>&#8220;. Discu\u021biile despre finan\u021be trebuie f\u0103cute pe \u0219leau, f\u0103r\u0103 nici o jen\u0103.<\/p>\n<ul>\n<li><strong>Nu da\u021bi bani cu \u00eemprumut oamenilor care au un standard de via\u021b\u0103 mai bun dec\u00e2t al dumneavoastr\u0103<\/strong>.\u00a0 Celor care tr\u0103iesc &#8220;<em>pe picior mare<\/em>&#8221; (fie c\u0103 ei recunosc sau, a\u0219a cum e mai adesea, nu recunosc c\u0103 o fac). Este un sfat pe care-l \u0219tiu de la bunica mea.\n<ul>\n<li><strong>este semnul unui r\u0103u-platnic<\/strong> &#8211; chiar dac\u0103 intim dore\u0219te s\u0103 pl\u0103teasc\u0103 datoria, nu poate s-o fac\u0103 pentru c\u0103 are alte priorit\u0103\u021bi<\/li>\n<li><strong>nu merit\u0103<\/strong> &#8211; probabil, cu un stil de via\u021b\u0103 mai cump\u0103tat, ca al\u00a0vostru n-ar fi fost silit(\u0103) s\u0103 \u00eemprumute bani<\/li>\n<li><strong>ve\u021bi deveni foarte frustra\u021bi<\/strong> asist\u00e2nd la excesele lor combinate cu scuze pentru care nu v\u0103 pot da banii.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>Sfaturi pentru DEBITOR<\/h3>\n<p>Greutatea este \u00eentotdeauna pe debitor, a\u0219a c\u0103 aici exist\u0103 mai multe sfaturi:<\/p>\n<ul>\n<li><strong>F\u0103 un contract<\/strong>. Spune toate condi\u021biile care te vor proteja &#8211; \u00een ce condi\u021bii poate fi rechemat\u0103 datoria, un termen minim \u00een care nu poate fi rechemat\u0103 etc. Contractul protejeaz\u0103 ambele p\u0103r\u021bi &#8211; deci insist\u0103 pe scrierea acestui contract.<\/li>\n<li><strong>Pune r\u0103ul \u00eenainte <\/strong>&#8211;\u00a0ce se va \u00eent\u00e2mpla \u00een\u00a0momentul c\u00e2nd e\u0219ti \u00een incapacitate de plat\u0103, ce \u00eenlesniri dore\u0219ti.<\/li>\n<li><strong>Planific\u0103<\/strong>: Identific\u0103 mai multe surse de a restitui banii. A te bizui c\u0103 toate-\u021bi vor merge bine \u00een via\u021b\u0103 NU este un plan. Fii realist \u00een aceste surse.<\/li>\n<li><strong>Economise\u0219te<\/strong>.\u00a0Chiar \u0219i c\u00e2nd te bizui pe cine \u0219tie ce plat\u0103 care te va ajuta s\u0103 restitui tot ce ai \u00eemprumutat, pune deoparte o sum\u0103 lunar\u0103. <strong>Orice po\u021bi pune deoparte ajut\u0103<\/strong>!<\/li>\n<li><strong>Dac\u0103 nu po\u021bi respecta condi\u021biile contractului<\/strong>:\n<ul>\n<li>anun\u021b\u0103 creditorul <strong>c\u00e2t de cur\u00e2nd<\/strong> b\u0103nuie\u0219ti acest lucru<\/li>\n<li>nu fi optimist, nu\u00a0a\u0219tepta miracole &#8211; comunic\u0103 \u00eendoiala de \u00eendat\u0103 ce o ai<\/li>\n<li>f\u0103 un gest de bun\u0103voin\u021b\u0103, gen &#8220;<em>Nu pot s\u0103-\u021bi returnez to\u021bi banii dar uite, am o treime din sum\u0103<\/em>&#8220;. F\u0103 acest gest \u00eenainte de termenul limit\u0103 &#8211; are un efect mai puternic. Acei bani, c\u00e2t de pu\u021bini, economisi\u021bi periodic, pot fi de mare ajutor \u00een acest caz.<\/li>\n<li>prezint\u0103 un plan alternativ de restituire a restului banilor &#8211; unul realist de care e\u0219ti dispus s\u0103 te \u021bii cu din\u021bii. Nimic nu este mai distrug\u0103tor pentru o rela\u021bie dec\u00e2t dezam\u0103giri succesive.<\/li>\n<li>nu te da la fund, nu te preface c-ai uitat, nu-l evita pe creditor. Jena este de \u00een\u021beles &#8211; dar\u00a0t\u0103cerea nu poate face dec\u00e2t s\u0103 \u00eenr\u0103ut\u0103\u021beasc\u0103 rela\u021bia. Un prieten sau o rud\u0103 va \u00een\u021belege c\u0103 nu \u021bi-au ie\u0219it planurile dar nu va \u00een\u021belege t\u0103cerea. Este r\u0103u s\u0103 fii <strong>r\u0103u-platnic<\/strong>; este \u00eens\u0103 de 1000 de ori mai r\u0103u s\u0103 fii perceput ca <strong>r\u0103u-platnic \u0218I nesim\u021bit<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Am trecut prin 2 asemenea experien\u021be. Cu oameni de bun\u0103 credin\u021b\u0103. Ambele au fost, \u00eens\u0103, situa\u021bii complet nepl\u0103cute \u0219i m-am jurat s\u0103 nu le mai repet.<\/p>\n<p>\u00cen primul caz, de\u0219i am \u00eencercat s\u0103 ob\u021bin un contract clar,\u00a0omul nu a percutat la cererea mea de claritate ci a r\u0103spuns \u00eentr-un mod optimisto-rom\u00e2n &#8220;<em>cum vrei tu, c\u00e2nd vrei tu, da e okay, oricum<\/em>&#8220;. Nu mi-a inspirat nici o \u00eencredere dar\u00a0m-am l\u0103sat convins. Ulterior m-am reg\u0103sit \u00een situa\u021bia umilitoare de a cere din c\u00e2nd \u00een c\u00e2nd, c\u00e2nd nu mai r\u0103bdam sau chiar aveam nevoie, bani, \u00eenc\u0103rcat de umilin\u021b\u0103 c\u0103 eu<strong>, <\/strong>creditorul,<strong>\u00a0<\/strong>trebuie s\u0103 aduc subiectul \u00een discu\u021bie (el nu deschidea subiectul voluntar niciodat\u0103). I-am primit &#8211; ici \u0219i colo. Am deschis eu subiectul, am propus condi\u021bii clare dar foarte relaxate (am cerut s\u0103-mi confirme c\u0103 poate s\u0103 se \u021bin\u0103 de ele) \u0219i a fost de acord&#8230; Degeaba a fost de acord pentru c\u0103 iar\u0103\u0219i a \u00eenceput s\u0103 se\u00a0comporte ca \u0219i cum nu aveam un contract.<\/p>\n<p>Am f\u0103cut-o \u0219i a doua oar\u0103 pentru c\u0103, \u00een prima situa\u021bie, m-am blamat c\u0103 n-am insistat pentru un contract absolut clar, lipsit de orice echivoc.\u00a0\u00cen acest al doilea caz, am riscat o sum\u0103 mult mai mic\u0103 &#8211; cu care s\u0103 fiu absolut confortabil indiferent de condi\u021bii. \u0218i am scris \u0219i un contract. \u0218i ce dac\u0103? Eu l-am scris, eu l-am citit, eu sunt din nou cu m\u00e2na \u00eentins\u0103 la poart\u0103, f\u0103r\u0103 nici o scuz\u0103 c\u00e2nd primul termen a fost \u00eenc\u0103lcat, sau al doilea, sau al treilea, sau&#8230;<\/p>\n<p>Nu vreau s\u0103 generalizez dar\u00a0tind s\u0103 cred c\u0103 \u00eensu\u0219i conceptul de contract nu este bine \u00een\u021beles \u00een cultura noastr\u0103.<\/p>\n<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/02\/27\/imprumuturi-de-la-prieteni-sau-rude\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/02\/27\/imprumuturi-de-la-prieteni-sau-rude\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Este o \u00een\u021belepciune repetat\u0103 de orice popor \u00een zeci de zicale \u0219i pove\u0219ti care ne \u00eenva\u021b\u0103\u00a0c\u0103 n-ar trebui niciodat\u0103 s\u0103 lu\u0103m\/d\u0103m bani cu \u00eemprumut de la prieteni sau rude. De ce n-ar trebui s-o facem? E simplu &#8211; pentru c\u0103 \u00een aceste cazuri oamenii se bizuie pe leg\u0103turi emo\u021bionale \u0219i rareori pe contract, chiar \u0219i c\u00e2nd acesta exist\u0103. Pentru c\u0103, \u00een cazul nerespect\u0103rii condi\u021biilor \u00een\u021belegerii, vor ap\u0103rea resentimente &#8211; a celui care a luat bani pentru c\u0103 i se cer \u00eenapoi sau, poate, pentru c\u0103 de\u0219i \u0219tie c-a sosit timpul s\u0103-i dea nu e \u00een m\u0103sur\u0103 s-o fac\u0103 (\u0219i ura de sine se transfer\u0103 repede \u00een ur\u0103 fa\u021b\u0103 de creditor); creditorul acumuleaz\u0103 frustr\u0103ri pentru c\u0103 nu-\u0219i vede banii.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"","footnotes":""},"categories":[343,1],"tags":[410,417,422,517,529],"class_list":["post-445","post","type-post","status-publish","format-standard","hentry","category-educatie","category-uncategorized","tag-creditor","tag-datorii","tag-debitor","tag-prieteni","tag-rude"],"_links":{"self":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/445","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/comments?post=445"}],"version-history":[{"count":4,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/445\/revisions"}],"predecessor-version":[{"id":449,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/445\/revisions\/449"}],"wp:attachment":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/media?parent=445"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/categories?post=445"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/tags?post=445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}