My company provided me with a personal certificate of loan, but I need to write a letter of commitment, promising that the legal consequences have nothing to do with the company and I will bear them personally. Generally speaking, when an individual applies for a commercial loan, the company needs to provide proof of personal income. Since it is a certificate, it is actually only a certificate and does not bear any legal responsibility. It is ok to write your promise like this. Because the certificate of the company is not legally binding, so is your promise. Just to increase mutual trust. In addition, because it is your loan, no matter whether it is proved true or false, whether there is your promise, repayment obligation and liability for breach of contract will be borne by you.