1. Usually it is a mortgage loan in a bank, which means that there must be collateral, and the loan amount can reach 70% of the collateral at most. In addition, banks must understand the purpose of loans;

2, the common is the purchase loan, in the case of stable income, it is relatively easy to carry out the purchase loan, even if it is difficult to repay the loan, there is real estate as collateral;

According to the information you provided, I understand it as follows: a. You want to join a brand and open a franchise store; B, the funds on hand are not enough to open a shop, and there is still a gap of 300,000; C. Need a loan of 300,000 yuan.

If that's the case, I strongly object to your making this investment decision, let alone lending for this investment (even if it can be mortgaged).

5. Since the investment itself is full of uncertain risks, not to mention the profit geometry, it is good to break even in the foreseeable period.

6. A new store needs to consider many factors in order to make a profit. For example: brand competitiveness, location of franchise stores, sales and management of stores, and so on.

7. So if you want to borrow money, if you are not sure about 100%, you'd better stop this investment.

8. For your reference.