呆人呆话：也说说我的3次借钱经历。

When I was buying my first home, I was just graduated and landed my first job as a research scientist. I was 30,000 short of money for closing. I asked around all my relatives, friends, PhD classmates, co-workers, finally got more the money than I needed. I paid them all the principles and interest at mortgage rate within promised time. It\'s a win-win for everyone.

Then when I was selling my 2nd home, the buyer (a Hispanic family) cannot get the loan from the bank, then I lent them the money at the mortgage rate a little bit higher than the mortgage rate that time. They managed to payoff my loan in 2 years once they refinanced from other commercial banks. That\'s a win-win too.

第三次，亲人做生意借钱，要20万美金，本来她提出以4%借贷，我反建议不如：10万低息，年息1%，15万有息按流行的7%，平均也是4%。 但是我要求无息的先还，在无息的没有还之前，所以有息的利息就涨的很厉害，我把repayment做好后，亲人一看，觉得利息太多，怀疑我算错了，她数学不好，于是专门给会计师算，会计师确认我算的准确无误.其实这个无息的先还一确定，综合利息远远高于4%，这个亲人每月都还，还以她的business做抵押，她很感谢我，我也靠这个赚了不少，比炒股赚多了。这又是一个双赢。