In looking through this list and I see a lot of people calling out loan requests that look fraudulent, but I don't actually see anyone receiving a loan. I posted myself
https://bitcointalk.org/index.php?topic=1510766.0 for a loan and even asked what would be desired if my terms would not good enough and have not received a single offer of someone willing to lend. What does it take to get a loan here? Is anyone actually willing to lend?
Yes. Several loans are given here, especially when there's a valid collateral, a good interest rate and a not-too-long repayment term.
Regarding your request personally I dismissed it because:
- The interest rate is extremely low. I didn't think it would be worth starting a negotiation
- There's no digital collateral. Physical collateral is much harder to process. It would help this point if you at least say where you are and what collateral exactly you can offer
- You want a loan based on USD-value while the BTC price is increasing. So it's very likely just holding the BTC would be a better deal than lending it to you
- It's a long-term loan. Normally short-term loans are easier to obtain
Most probably other users had a similar reaction.
I guess you didn't get any replies because there's too much to change to call lenders' attention. And those changes wouldn't probably satisfy your needs.
I really think in your specific case a bank loan would be better.