Conditions for applying for a personal loan: 1. At least 25 years of age with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank. Generally meet the above conditions, you can apply for a loan from a commercial bank. To sum up, divorce will not affect the loan. If the house is purchased by mortgage during the marriage, according to the provisions of Article 41 of the Marriage Law? At the time of divorce, the debts owed by the husband and wife living together shall be paid jointly. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment. Legal basis: Article 41 of the Marriage Law of the People's Republic of China. At the time of divorce, the debts incurred by the husband and wife living together shall be paid jointly. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.