The interest rates of loans in the name of companies and personal mortgage loans are relatively not very different. It can be regarded as a consumer mortgage loan. If the loan is made in the name of a company for new investment, production or development, perhaps the interest rate given by the bank will be lower.

Personal housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. In fact, the interest rate of mortgage loans through personal property is similar, mainly depending on how much you want to borrow. Generally, you can borrow more through personal property mortgage, or you can go to the bank to give it a try.

Extended data:

The bank loan interest rate is lower. According to national regulations, the loan interest rate of commercial banks can only rise by 30%-50% on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, the benchmark lending rate of the People's Bank of China is now 6%, and commercial banks have to rise by 50% to reach 9%.

General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Moreover, among various financing channels, real estate mortgage loan is still one of the lowest cost ways.

Baidu encyclopedia-personal mortgage loan