Personal commercial housing loan means a loan lent by any bank to the borrower for it to purchase a self-operated commercial housing or a self-used official housing.个人商业用房贷款是指银行向借款人发放的购置自营性商业用房和自用办公用房的贷款。Any natural person having a complete civil capacity may apply for personal commercial housing loan to the bank.具有完全民事行为能力的自然人可向银行申请办理个人商业用房贷款。