Hi this is Richard Zheng from Singapore again,
this loan will be used as working capital for my lending business at other bitcoin p2p site. ( I am not going to mention the site name here since it's may not be allowed :-).
I will repay the loan with the profit from my business and my salary as a backup. as you can see from my profile, my salary is 6400 SGD and we are a hard-working couple (both working) so paying back is none issue.
Thanks for your smart investment again.