The interest rates of credit card loans and housing mortgage loans are influenced by many factors, including credit score, loan amount and term. So we can't simply answer which loan interest rate is lower.

Generally speaking, the interest rate of credit card loans is relatively high, because they are usually short-term loans, and credit card issuers will face higher risks. In addition, the interest rate of credit card loans will change according to the borrower's credit record and repayment record.

In contrast, the interest rate of mortgage loans is usually lower, because they are long-term loans, and the house as collateral reduces the risk of banks. However, the interest rate of housing mortgage loans will also be affected by market interest rates, borrowers' credit records and other factors.

Therefore, we can't simply draw a conclusion about which loan interest rate is lower. When choosing a loan method, we should comprehensively consider the interest rate influence of different factors, loan conditions and repayment ability according to our actual situation and needs, and choose the most suitable loan method.