If there is no property after selling the house and it belongs to a suite, the bank's mortgage interest rate is different for the following reasons:

1. First of all, banks have a basic interest rate requirement for different loan products. For example, according to the policy, the benchmark interest rate for student loans is implemented, and the interest rate for the first home loan can be as low as 30%, and the interest rate for the second home loan can be as low as 10%. If there are relevant policies, the bank loan interest rate shall be subject to the upper or lower limit of interest rate according to the policy requirements. If it is not a policy requirement, banks will set a general interest rate level according to their own operating conditions. For example, some banks usually implement the benchmark interest rate 1.3 times, and the minimum interest rate for the first home loan is 10% off.

2. Banks usually have approximate interest rate requirements for different loan products, and generally determine a minimum loan interest rate or interest rate range. However, the specific loan interest rate is related to the borrower's qualification, which is also the reason why the loan interest rate of the same bank is different. Generally speaking, the better the borrower's qualification, the lower the loan interest rate, the worse the borrower's qualification and the higher the interest rate. The qualification of the borrower is related to the nature of the borrower's work unit, income, debt and credit. For example, at present, some banks implement a minimum interest rate of 10% for the first home loan, but in order to enjoy the "minimum discount", banks have higher requirements for borrowers, such as requiring borrowers to be civil servants or VIP customers of banks, and even loan quotas. For borrowers who are not recognized as "quality customers" by banks, the first home loan interest rate shall be subject to the benchmark interest rate.