Legal analysis: Personal business loans are mainly divided into the following five types: personal commercial housing loans, personal short-term business loans, personal medium and long-term business loans, personal small equipment loans, and personal business real estate mortgage loans. 1. Personal commercial housing loan: RMB loans granted by banks to borrowers for purchasing various commercial and business houses. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans.

Legal basis: 2. Personal short-term commercial loans: RMB loans granted to borrowers for working capital of production and business activities. 3. Personal medium-and long-term business loans are RMB loans issued to borrowers for medium-and long-term capital needs such as fixed assets investment, project renovation, business premises decoration and working capital turnover in production and business activities. 4. Personal small equipment loan: it is a RMB loan granted to borrowers for purchasing small equipment (including engineering vehicles and commercial vehicles). ) needed in production and business activities. 5. Personal property mortgage refers to the property that has been completed and accepted and used for office, retail and industrial production in shops through commercial operation such as leasing. Article 667 of the Civil Code of People's Republic of China (PRC): A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.