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Can mortgage be counted as the cost of personal operation?
No, because changing income is not profit, and there may be losses.

Individual business license can not be used as a loan, but only as a proof of income. You still borrow money in your own name, but you are the legal representative on the individual business license. If you are not a legal representative, or the name on the individual business license is not you, your business license will not help you with the loan.