Personal commercial loans include personal housing mortgage loans, consumer loans, personal investment and business loans and other varieties; What you should be talking about is mortgage loan, that is, consumer loan in the market. This kind of loan generally needs a house with complete property rights as collateral, which can be used for consumption, tourism, decoration, study abroad and so on. And it can also be used for personal investment. Generally speaking, the service life is shorter than that of mortgage loan, and the interest rate is higher. The general benchmark interest rate rises by 65,438+00% to 30%. Mortgage loan is a loan in the process of buying and selling real estate. The loan must be lent to the last account, with a relatively long term, generally 20-30 years, and some high-quality customers can even do it for more than 30 years.