1. With the house as the mortgage loan, the borrower can use the obtained funds for business or consumption.

2. The interest rate for business is higher than that for consumption. Generally speaking, the former interest rate is about 50% higher than the current benchmark interest rate of the same period and grade, and the latter interest rate is about 30% higher than the current benchmark interest rate of the same period and grade.

3. The operational risk is relatively high, and the borrower may lose money and be unable to repay the loan. Borrowers of consumer loans have spending power, repayment ability will not be bad, and the risk is relatively small. ? 4. Suppose the loan is 500,000 yuan, the loan term is 12 months, and the principal and interest are paid in equal amount: for business, the interest rate is 6.53%, which is * *, and the interest is required 1786 1.36 yuan; For consumption, the interest rate is 5.66%, and a * * needs to pay 1546 1.4 yuan interest. In addition, housing mortgage loans, various products of various banks have different provisions on interest rates, so the interest rates are different.

5. The implementation of mortgage interest rates in different commercial banks is different, and the specific interest rate is comprehensively determined according to the borrower's credit status, professional nature, repayment ability and other factors. If the borrower's personal qualifications are good, the loan interest rate obtained is low; On the other hand, if the borrower fails to repay the loan, the loan interest rate is also high.