Legal analysis: it is not illegal, and borrowing money is generally a civil act. If you don't pay back the money on time, you need to bear relevant civil liabilities.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

I want to borrow money from the bank and ask some questions.

I don't know where you are. I made it two days ago. Shanghai Pudong Development Bank (Shenyang) (Chengzhong Sub-branch) has a personal loan product suitable for you (if you are not in Shenyang, you can try it in other areas of Shanghai Pudong Development Bank).

1. However, if your daily flow is sufficient (that is, your monthly income can cover your repayment interest), you need to issue a bank flow.

2. Your collateral (that is, your house can be registered in the real estate building, that is to say, there is a real estate license, but there is no such thing) is valuable enough. According to what you said, it should be possible.

Your credit history won't have too many problems, such as overdue for many times.

After reaching the above standards, the bank will evaluate your house (you need to pay an evaluation fee, not too much, and then pay it after the loan is put down)

The interest rate of about 8% a year is relatively low.

3. Can I lend money to others from the bank?

Bank loans: such as buying a house, buying a car, decorating a house, etc. If you tell the bank when you apply for a loan that you can't lend it to others, then lending it to others is obviously cheating the bank. Since we have to repay the principal and interest of the loan, of course we have to. Secondly, the judgment should be based on the loan agreement between you and your friends. If you disagree with your friends on the loan interest, just pay back the loan principal. After the judgment is made, apply for execution. At this time, the interest added on the actual repayment date can be executed.

Extended data:

The process of bank loan

Loan procedures:

1. Lend to a local bank to apply for a loan. Apply for other kinds of materials except those in rural areas. (1) The approved financial report of the previous year on the basic information of the borrower and guarantor, and the correction of the previous loan application; (4) Proof that the mortgagee and pledgee agree to dispose of the mortgaged property and pledge, agreement and feasibility report of the guarantor; (6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. Bank to borrower

3. Loan survey. Yinlu Shen Xing investigated the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. According to the loan contract, the bank

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Rent covers loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.