Personal business loans can generally last up to 30 years. If it is a credit loan, it is generally up to 5 years, and the unsecured commercial loan is up to 3 years.

This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate.