1. Risk tolerance: The practice of using house mortgage for operating loans means that applicants link their assets with their own enterprises. If the management is not good, the loan cannot be paid off in time, and the house may be forcibly disposed of by the bank. Therefore, risk tolerance is a very important consideration.
2. Market changes: economic environment, market demand and other factors will have an impact on the operation of enterprises. For example, if the market demand decreases or there are non-performing assets, the income of the enterprise may decline, which will make the borrower's repayment pressure greater, which will bring economic pressure.
3. Reputation: Mortgaging the house as a commercial loan may affect the applicant's reputation. If the repayment cannot be made on time due to poor management or other reasons, it will leave a bad record in the credit record, which may hinder future credit loans or other financial services.
To sum up, operating loans need to fully prepare and consider the mortgage of houses, rationally evaluate their assets and operating conditions, and ensure that they can bear and properly handle related risks.