Controversial girl borrowed ten gold bars from a relative, 10 years later demanded to repay in money

The story of a girl who borrowed 10 pieces of gold from a relative, but when the due date came to repay it in money, her relatives criticized her for being ungrateful, causing great controversy in the online community.

Recently, a girl used incognito mode on social networks to ask netizens for advice and answer questions because she clearly had a very fair loan and repayment, but in the end she was called ungrateful.

According to sharing, since 2010 when the gold price was 36 million VND/tael, the girl borrowed 10 trees from her husband and her husband to get capital to do business. Along with that, the two parties agreed to calculate the amount of 360 million, pay interest of 2 million VND/month according to the gold price converted at the time of the loan. As for the principal debt, when there is one, you can pay it without urgent need.

However, at the present time, it is 2024, after many years of paying monthly interest in full, the girl and her husband have just sold the land and want to pay 360 million VND of principal debt, but the husband and wife firmly do not agree. I want to receive 10 gold bars like I borrowed before. It is known that gold prices at this time are feverish with more than 84 million VND/tael for SJC pieces.

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One side demanded to pay, the other demanded to receive gold, no one gave in and gave their own reasons. Therefore, the girl spoke up and asked the online community for advice on this case: "Who is right and who is wrong?". The author's post immediately attracted thousands of likes and more than 2,000 interested comments, including many mixed opinions.

In the comments section, netizens did not hesitate to share their opinions. Some people believe that, even though it was a loan of 10 gold bars, at the time of the loan, the husband's sister converted the gold into money to calculate interest, so now the "top owner" only needs to pay the money, not the gold.

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However, many others believe that "repay whatever you borrow" is a matter of course and this case is no exception. 10 years ago, a woman borrowed gold and had to repay it 10 years later, no matter how high the gold price rose.

"If you borrow gold, pay in gold, friend, you will bear the loss", "If you borrow gold, pay in gold. This is the law"; "Borrow gold and pay back gold. You are wrong. Always calculate according to the time. Who would borrow 10 trees and now pay 5 trees"; "Actually, you were very kind and let your friend borrow 10 pieces of gold... but you only pay 2 million each month as usual... there's no such thing as such a low interest rate... yet you still calculate it with them." ".

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Regarding the details of the husband's sister converting 10 sticks of gold into 360 million VND at the time of the loan, most people said that it was just a way for them to calculate interest, not converting gold into money to receive money back later.

According to the provisions of law, this is the subject of a civil property loan contract. The two parties can agree on debt repayment to ensure harmony of interests and maintain a good relationship. In case an agreement cannot be reached, the following regulations apply:

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Article 463 of the 2015 Civil Code stipulates that a property loan contract is an agreement between the parties, the lender delivers the property to the borrower. When the repayment is due, the borrower must return to the lender assets of the same type in the correct quantity and quality and must only pay interest if agreed upon or prescribed by law.

Thus, when borrowing 10 trees, the exact amount must be returned upon maturity, unless the two parties have otherwise agreed. Pursuant to Clause 2, Article 466, if the due date is due and for some reason there is no 10 pieces of gold to pay, you can pay in money according to the value of the gold at the place and time of repayment (if approved by the lender). Agree).

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Therefore, when borrowing gold, the parties need to form a contract, clearly stating the main contents such as repayment period, return of gold or money, interest rate (if any)... to ensure legitimate rights and interests. of the parties and avoid future disputes.

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