I don't know what information you want to know about commercial loans, or what kind of commercial loans you want to apply for. I will answer your question from the perspective of the basic knowledge of commercial loans.
1. What is a commercial loan?
We can understand commercial loans as loan products with certain liquidity. These loan products are generally short-term loans, such as mortgages and credit loans that we often mention. The main function of commercial loans is commercial purposes. Old people will use commercial loans to buy houses, and young people will use commercial loans to spend, which is the different embodiment of commercial loans in different uses.
2. What are the main contents of commercial loans?
There are many types of commercial loans:
1. Our most common commercial loans are credit loans, which are mainly divided into three forms. 1 takes the form of bank loans and bank credit cards that we often mention, the second form is loan products issued by offline lending institutions, and the third form is internet loans.
2, in addition, commercial loans will also have mortgage loans, mortgage loans are generally vehicle mortgage loans and housing mortgage loans.
For those who need to buy a car or house, commercial loans can also be car loans and personal housing loans.
4. For operators, commercial loans can be business loans of enterprises.
3. What about the interest on commercial loans?
The loan with the lowest interest rate is mortgage loan. Large banks can achieve an annualized comprehensive interest rate of 3%, and commercial banks are generally around 5%. The interest rate is relatively low, and the average level of individual housing loans is between 5% and 6%. The highest is consumer loans, mainly concentrated in credit loans, and the annualized comprehensive interest of these loan products can reach more than 20%.
To sum up, the above is the basic information of commercial loans. You can leave me a message if you don't understand anything else.