1 year. The longest term shall not exceed 1 year. Personal business loans refer to loans issued by banks and other financial institutions to borrowers for legal production and business activities such as the borrower's mobility, purchase or renewal of business equipment, payment of rent for leased business premises, and decoration of commercial housing.

2. The longest term of personal business loans is () years.

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Third, the loan period of personal investment loans

The term of personal investment and business loans shall not exceed 3 years (including 3 years);

Personal investment and commercial loan application materials

1, qualification documents, such as ID card, household registration book or other valid residence documents, business license, etc. ;

2. Documents proving the purpose of the loan, such as sales contracts;

3 financial statements (or proof of operating income), tax bills and other proof of repayment ability of the operating enterprise;

4. Proof of a fixed occupation and stable economic income;

5, loan application (the content should include the borrower's resume, work performance, investment project feasibility study report, repayment source, guarantee, the amount and duration of the loan application);

6, not less than 30% of the total investment of the project's own investment funds or payment certificate;

7. Other documents required by the bank. The documents and materials provided by the borrower shall be true and legal.