Individuals who have no funds to open a shop can apply for business loans from banks or formal financial institutions. However, applicants need to have good credit conditions, good credit records of individual central banks, and strong personal repayment ability. It is best to have fixed assets, such as houses and cars, and provide business licenses issued by the administrative department for industry and commerce.

Because opening a shop to do business is risky, in order to reduce the risk, the lender's examination of personal qualifications will be stricter, and the interest rate of loans may be higher.

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