Legal analysis: Shops generally do not enjoy the preferential interest on bank loans and cannot use provident fund loans. The down payment needs more than 50%, and the interest rate generally rises above 10%. This mainly depends on the policies of various banks, which is uncertain. That is to say, pay more down payment and interest than ordinary houses. If someone else's annual interest rate is 5%, if it goes up by 10%, the interest will be 5.5%.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.