The loan is not a simple matter, as private lenders like checks is very strict, and several of my students have to apply for a loan, but loan procedures torture they do not have the entrepreneurial passion, cause they have been complaining aboutloan is not convenient, and the amount of loans is relatively large, then also the guarantor or the property mortgage, one friend is the loan will be their house mortgage, then almost no way to repay the loan, almost let my parents not to liveeither help him one, and perhaps are now sleeping on the streets, the lending or according to their repayment ability, realistic borrowing.