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关于朋友间借车和借钱的正常手续

发信人: niubee (资深街霸卧槽立马勒戈壁), 信区: WaterWorld
标  题: 关于朋友间借车和借钱的正常手续
发信站: BBS 未名空间站 (Thu Aug  9 13:26:53 2012, 美东)

朋友间互相帮忙是应该的，但是要按照正常的手续来。不愿意按正常手续做的，都是另
有打算。真的打算负责任的朋友，是不在乎正常手续的，因为本来就是要承担这些责任
的。

借车。
1. 借车之前，给保险公司打电话，把朋友的名字加在drivers上。保险肯定会涨一些。
这个上涨的保险通知朋友。
2. 按照借车的天数里程数汽油收取一定的费用。朋友间关系铁的可以省略这一步。
3. 双方找律师签个agreement。出了事故的各种损失由朋友负责，包括请假修车，租车
，打官司等等各种事故后的时间金钱精力的开销。当然，律师费用朋友承担。
4. 还车的时候仔细检查车况，把朋友的名字从保险上去掉。差价账单朋友付。

借钱。
1. 先说明借钱的用途和借钱人的信用记录。评估风险。
2. 根据风险，确定借款利率。
3. 双方找律师签个agreement。包括每月分期偿还计划。固定资产抵押和违约期拍卖抵
押资产的手续费用。当然，律师费用朋友承担。

扭扭咧咧不想承担责任的朋友，关系实在很铁的，借车不行，我可以出钱你去租车。借
钱不行，我可以给朋友一些钱而且讲明不需要偿还。同时重新评估朋友关系。



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