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Поставить предложения в отрицательную форму 1) commercial loan is money that banks lend to businesses. 2) my friend has had a charge card. 3) it is necessary to check your credit file. 4) he borrows money to buy a house. 5) they lent money to him last year.

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1.  commercial loan is money that banks don't lend to business 2. my friend hasn't had a charge card my friend has had no charge card 3. it is not necessary to check your credit file 4. he doesn't borrow money to buy a house 5. they didn't lend money to him last year. 

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