Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

The correct name of bank mortgage is house mortgage loan, which means that the property right of the house purchased by the buyer is used as collateral, and the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. The proportion of bank mortgage is usually between 50% and 80%, and the term varies from 1 to 30 years. Bank mortgage is the most effective means to promote the real estate market to be active.

Between them, the loan period is different, the loan amount is different, and the loan conditions are different, so they are different.

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