In life, it is inevitable that we will encounter situations where friends and relatives ask us to borrow items in our interpersonal interactions. We all know the truth of "giving roses to others, leaving fragrance in your hands", and it is a virtue to be helpful, but sometimes, even if you are a close friend, we must resolutely say "no" to some of their requests for borrowing.
It's not that we're stingy, it's because once these items are borrowed, they can bring more trouble and risks than we think. Today, let's unveil the mystery of these five things that "can't be borrowed if you die", no matter how close your relationship is, please stick to the bottom line and bravely refuse.
1. Personal identity documents
ID card, like our second face, is an important credential for us to prove our identity and handle various businesses in society. However, some people may borrow your ID card from you for various reasons, such as helping to register a company, apply for a bank card, open a mobile phone card, etc. At this time, please take a firm stand and refuse without hesitation.
First of all, borrowing an ID means that you will be taking a huge legal risk. Others use your ID card to engage in illegal activities, such as opening fraudulent accounts, money laundering, tax evasion, etc., once the East Window incident occurs, the public security organs will track it down, and the first person to bear the brunt is the owner of the ID card - you. Even if you don't know it, you can get caught up in the complicated judicial process and spend a lot of time and energy trying to prove your innocence.
Your credit history may also be damaged as a result. If the other party uses your ID card to apply for a credit card and maliciously overdraws, fails to repay it within the time limit, or runs away after borrowing money on an online loan platform, all arrears and bad records will be recorded in your name. This will not only affect your credit rating, but may even put you in a quagmire of huge debts, and in severe cases, even affect major life decisions such as buying a house or car.
No matter how strong the relationship is, don't lend your ID card easily, this is the minimum protection for yourself. You can be enthusiastic about helping your friends find a legitimate way to solve the problem, but never at the expense of your own legal rights.
2. Private vehicles
As an important means of transportation in modern life, the car sometimes becomes an object of borrowing from friends. However, once the car is lent out, it can be followed by a series of troubles. First and foremost is security. Although a friend may be a skilled driver, the unexpected is always unpredictable. In the event of a traffic accident, especially a major accident that results in casualties, the vehicle owner (i.e. you) is likely to be involved in complex legal liability disputes.
According to the Tort Liability Law of the People's Republic of China, if the owner of a motor vehicle is at fault for the occurrence of damage, he shall bear the corresponding liability for compensation. Even if you are not at fault for the accident itself, the mere fact that you are the owner of the car may be subject to some liability. In addition, problems such as fines, scratches, and insurance claims incurred during the use of the vehicle by others will also make you tired to deal with them, and may even lead to an increase in premiums.
Everyone's driving habits are different, and your well-cared for is likely to be "abused" in the hands of others, such as slamming on the accelerator, braking suddenly, parking and other behaviors, which may cause irreversible damage to the vehicle. Therefore, in the face of a friend's request to borrow a car, you can be completely honest about your concerns and advise them to choose a car rental service, which is convenient and avoids possible risks.
3. Credit Cards
Credit cards may be small, but they contain a lot of financial power. Someone may want to borrow your credit card for emergencies due to temporary turnover difficulties. However, credit card lending is like opening the door to unknown risks.
On the one hand, when someone else uses your credit card to spend, it means that you are endorsing their spending behavior. If they fail to repay their loans on time, the overdue record will directly affect your credit score, resulting in an increase in your loan interest rate, and even affecting the approval of large loans such as home loans and car loans. What's worse, if they maliciously overdraft or make illegal transactions, you could face recovery or even legal action from the bank.
On the other hand, the risk of credit card information leakage cannot be ignored. Once the card falls into the hands of criminals, they may use your personal information to steal, cash out and other criminal activities, bringing you huge financial losses. And, because the card isn't in your hand, finding anomalies tends to lag behind, making it more difficult to track down.
No matter how much the other party pleads, the credit card should never be borrowed. You can provide other ways to help, such as lending them money for emergencies or helping them find regular ways to borrow, but be sure to stick to the principle of not lending credit cards.
4. Valuable ornaments and collectibles
Personal collections with high value, such as precious jewelry, antiques, and works of art, are often people's favorites and carry special emotional significance or investment value. However, once these items are borrowed, they are likely to be damaged, lost or even dropped.
First of all, these items are often delicate and fragile, and the slightest carelessness can cause irreparable damage. Even if the other party promises to take care of it, accidents always happen inadvertently. Once the item is damaged, not to mention the high cost of repair, its original value and significance may also be greatly reduced, bringing irreparable losses to the owner.
The risk of losing valuables should also not be overlooked. Whether it's a theft from a friend's house or a loss on their way out, the chances of finding it are slim to none. Moreover, because the value of these items is difficult to accurately estimate, it is often difficult to obtain reasonable compensation in the event of a dispute.
Valuable collectibles are also at risk of being dropped. Especially in some fields with a high threshold of professional knowledge, such as antiques, jewelry, etc., ordinary people may have difficulties in identifying authenticity. If the other person has bad intentions and replaces your real thing with a fake, you may not notice it for a long time.
For valuable jewelry and collectibles, the best protection is to keep them safe and avoid borrowing them. If your friends really want to enjoy it, you might as well invite them to visit your home, or share high-resolution photos and videos, which not only meet their viewing needs, but also ensure the safety of your belongings.
5. Real estate certificate
The real estate certificate, which symbolizes the ownership of the house, is an important document that we must have on many occasions such as real estate transactions, mortgages, settlements, and children's schooling. However, some people may borrow the title deed from you for various reasons, such as helping to register a company, apply for a residence permit, etc. In the face of such a request, you need to be highly vigilant and resolutely refuse.
The biggest risk of a title deed loan is that it can be used for illegal activities. If someone else uses your title deed to make false registrations, mortgages, or even illegal sales, it will pose a serious threat to the safety of your property. Once the property is illegally disposed of, you will face a title dispute, which will require a lot of time and money to go to court, and may even lose your valuable property.
In addition, the information on the real estate certificate, such as address, area, property owner, etc., is sensitive information, and once leaked, it may be used by criminals to carry out criminal activities such as fraud and harassment. Moreover, the process of reissuing the lost real estate certificate is cumbersome, and it requires steps such as publishing a statement and applying for reissuance, which will also bring you unnecessary trouble.
The title deed should always be kept by the property owner and should not be lent out under any circumstances. For your friend's borrowing needs, you can patiently explain the risks and suggest them to solve the problem through legal means, and don't let yourself fall into a real estate crisis because of a momentary situation.
In interpersonal interactions, we are often faced with the choice of whether or not to lend items. Although it is a virtue to be helpful, when it comes to ID cards, private cars, credit cards, valuables and collectibles, and real estate deeds, we must stick to our principles and resolutely refuse.
The hidden legal risks, credit risks, property risks and information security risks behind these items may bring us unbearable consequences once triggered. Therefore, no matter how intimate the relationship is, you must also keep in mind: the five things that you can't borrow if you kill them, don't do it!