I've seen several people like asking for tc in few server, so I have few question about it

(I've asked few peoples in game, but I would like to make it more clear since chating while playing is hard for me)

So just in case I would like to make a loan.

1. I need to know is there a rules that covered all of the process.
2. Where is the place to ask for loan.
3. If somehow I failed to pay the loan, can I exchange it with my inventory.
4. Is there a limit of the loan?
5. Is there a percentage of debt that need to be paid based on how much I make a loan?

Thank you so much.