When someone asks for a loan, first clarify whether they are a close peer with shared responsibilities or a wider social contact. The Siblings and Friends Palaces frame the relationship structure, while the Wealth Palace prompts a review of what you can afford. No star guarantees repayment.
Check the relationship and affordability
The Siblings Palace covers a small group of close peers and the Friends Palace the broader social circle. Confirm whether lending would touch rent or emergency funds, and base the decision on affordability rather than social pressure.
Put terms in writing
Even with someone you know, record the amount, purpose, repayment date, and what happens if payment is late. If the loan would use rent or emergency money, reduce the amount or decline. Read the relationship palaces and the Wealth Palace, then the annual layer; the real decision rests on budget and written terms.