The biggest difference between real estate commercial loans and mortgage loans is the different interest rates. Real estate commercial loans are actually real estate mortgage loans, because the money you lend to the bank is released after your real estate license comes out, and there will be a mortgage registration certificate.

There are two differences between commercial loans and mortgage loans:

Commercial loans are relative to provident fund loans, and the term interest rate is higher than provident fund loans. Mortgage is to mortgage houses, shops and office buildings that have no loans in the bank and borrow money from the bank. The interest rate of commercial loans is generally lower than that of mortgage loans. The first set is between 0.9- 1. 1 times the current standard interest rate, and the second set is not less than 1. 1 times. The premise of mortgage loan is that you must have real estate as collateral, and ordinary commercial loans can use the real estate loans you bought;

Mortgage loan of real estate: Generally speaking, the borrower mortgages the real estate under the name of a third party to the bank based on the clear capital demand recognized by the bank to obtain loan funds. Housing mortgage loan is based on real estate transaction, and the purpose of the loan is to pay the buyer's purchase price, so it is necessary to provide the seller's corresponding information and sign relevant documents when providing information. Real estate mortgage loans are not based on real estate transactions, and loans can be used for production, operation, decoration and consumption, but according to the regulations of the CBRC, loans cannot be used for buying houses and investing in securities.

Second, the difference between commercial loans and mortgage loans.

The difference between commercial loans and mortgages: commercial loans are relative to provident fund loans, and the term interest rate is higher than provident fund loans. Mortgage loan is the mortgage of houses, shops and office buildings without loans in banks, and the interest rate of commercial loans is generally lower than that of mortgage loans. The first set is between 0.9- 1. 1 multiple of the current standard interest rate, and the second set is not less than 1.655. The premise of mortgage loan is that you must have real estate as collateral, and ordinary commercial loans can use the real estate loans you bought; Mortgage loan of real estate: Generally speaking, the borrower mortgages the real estate in the name of a third party to the bank based on the clear capital demand recognized by the bank to obtain loan funds. Housing mortgage loan is based on real estate transaction, and the purpose of the loan is to pay the buyer's purchase price, so it is necessary to provide the seller's corresponding information and sign relevant documents when providing information. Real estate mortgage loans are not based on real estate transactions, and loans can be used for production, operation, decoration and consumption, but according to the regulations of the CBRC, loans cannot be used for buying houses and investing in securities.

3. What is the difference between commercial loans and mortgage loans?

There are too many lending institutions and banks that handle real estate mortgage loans, which one to choose has become a headache for many customers, because it is very important to consider security, interest rate, amount and loan. The speed difference between different banks and institutions may be about 1 month. So, which bank is good for real estate mortgage loan? Which bank has the lowest mortgage interest rate? Compared with different application conditions, the conditions for banks to apply for real estate mortgage loans are different, such as credit status, personal income, work unit, repayment ability and so on. Applying for real estate mortgage loan in a loan company mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers in debt can generally borrow from banks or loan companies as long as they can provide qualified real estate mortgage. Compared with credit loans, the risk of real estate mortgage loans is lower because there is real estate as a guarantee for bank loans.

4. What is the difference between second-hand housing mortgage and new housing mortgage?

Difference between housing mortgage loan and housing mortgage loan

1, the cost is different: mainly in terms of interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.

2. Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there must be at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner).

3. Different preconditions: the borrower wants to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy a house or for other purposes. However, mortgage loan is a personal housing loan business that buyers use the purchased house as collateral and real estate companies provide regular guarantees, but it can only be used for buying houses.

I don't know if the method of "parents sell you the house and then you go to the bank for mortgage loan" is feasible. It may depend on your age and bank policy, and you have to pay taxes. The mortgage interest rate must be higher than the mortgage interest rate. You can go to the bank for consultation and ask more banks to make a decision. Look for the customer service hotline of the bank.