Personal business loan terms 1. The applicant must be a person with full capacity for civil conduct; 2. The applicant must be the main partner or shareholder of individual industrial and commercial households, private entrepreneurs, joint ventures or limited companies; 3. The applicant must be over 18 years old and under 60 years old; 4. The applicant must have a fixed residence in the place where the loan is applied; 5. The applicant must be able to provide legal identification; 6. The enterprise operated by the applicant must be in good operating condition, have certain competitiveness in the industry and have sufficient repayment ability; 7. Other conditions stipulated by the bank.