Do you have a mortgage or a credit loan? The interest rates are different; Generally speaking, commercial bank loans are divided into mortgage loans and credit loans. 1.30,000 mortgage has a monthly interest rate of about 6.5%, and1.30,000 is 845 yuan a month. The monthly interest rates of credit loans are 8.3%, 9.5% and 1.04 respectively. The monthly interest of 130000 yuan is 1079 yuan, 1235 yuan and 1352 yuan respectively.