Sold 2 hands, half a year. Only when the operating loan is transferred to second hands is it safe and the bank will recover it. The interval between each transfer is half a year, so the interval between transferring the operating loan to second hands is half a year. Business loans are financing products that serve small and medium-sized business owners or self-employed individuals. Borrowers can obtain bank loans through real estate mortgages and other guarantees, and the loan funds are used for the business needs of their businesses or self-employed individuals.