1. First, you need to see whether the business loan is recorded in your personal credit report. If it is recorded, it is your debt; At the same time, we should also consider the repayment of commercial loans and check whether there is any overdue situation;
2. If the current income can cover commercial loans and my credit information is good, I can apply for a mortgage from the bank again. If the lender is married, the credit information of the spouse should also be considered.