First of all, if your personal qualifications meet the requirements of bank loans, you can apply for personal business loans. Second, however, you need to be reminded that the threshold for applying for personal business loans is relatively high. The following are the basic conditions for applying for personal business loans: 1. With full capacity for civil conduct, under the age of 50; 2. Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce; 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule; 4. Good credit standing, law-abiding, no bad credit and debt records, and able to provide mortgage, pledge or guarantee recognized by the bank; 5. Having a fixed domicile and business premises in this institution; 6. Other conditions stipulated by the bank. 3. To apply for a personal business loan, the materials to be submitted include: 1. Identity documents of the borrower and spouse (including resident identity card, original household registration book or other valid residence permit) and proof of marital status; 2 personal or family income and property status and other repayment ability documents; 3. Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; 4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.