Conditions for applying for personal business loan: having an industrial and commercial business license (lender) registered in the industrial and commercial department and having collateral (real estate), as follows:

Apply for a loan with the house (real estate) as collateral and the business enterprise (industrial and commercial license) as the lender.

The lender applies to the bank with identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or photocopy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report. After approval, it goes to the housing management department for mortgage registration, and then goes to the bank to withdraw the loan.