Second, you can use your house as collateral. But in any case, the loan is less than 400 thousand.
Method 1: direct loan. Half of the appraisal price of your house (the appraisal institution is designated by the bank) is the maximum loan limit. In half cases, the evaluation price will be lower than the market price, so you should be able to borrow about17-180,000 at most.
Method 2: Third-party mortgage, for example, if the owner of the house is your father, your father sells the house and your mother buys the house, so that the loan can reach about 70% of the appraised (or house purchase transaction price).
Third, recognize your own strength and rejoin the industry you are ready to enter. After all, you are still young, do you have room for consumption in the bar, and do you have anyone (someone who can do things easily) in the industrial and commercial taxation, including the public security bureau, the fire department and so on. Because the bar environment is more complicated, if someone makes trouble, how to solve it, these must be prepared first. Buying a small Kara freight belongs to the operation category, (unless you do it yourself, but there are many shortcomings) it takes more than 2 years of driving experience to qualify. Can you do it?
Fourth, the one above also said, are you aware of the risk of investing and starting a business, and whether you and your family can accept the risk? It's not that we can't do it, but prepare for the worst. If your business fails, can you and your family bear the future outcome?
Whether there is a loan or not, I sincerely wish you success in starting a business and a safe and happy family.