Commercial loans refer to commercial loans, and the repayment methods may be various, such as paying interest by installments, paying the principal for the last time, or paying the principal and interest by installments, which is called installment payment. But there is also interest, and the principal is repaid in one lump sum, which is not called installment.

Staging is named after a loan repayment method. General mortgage or other consumer loans are paid in installments, so it will be directly said that they have been handled in installments.

Second, how much is the monthly payment? What's the difference with installment payment? How much can a commercial loan cost at most?

Monthly payment generally refers to the monthly repayment amount of a loan. Installment generally refers to the monthly repayment of consumption or bills after consumption by credit card. Monthly loan principal and interest payable; Installment payment only needs to be divided by the number of installments and the handling fee. The maximum commercial loan can reach100000 yuan.

What's the difference between mortgage loan and commercial loan? Be sure to understand before buying a house!

When buying a house, many people have such a misunderstanding about loans that commercial loans and mortgage loans are the same thing. Actually, there are many differences between commercial loans and mortgage loans. Don't believe it? Then I'll talk about the difference between mortgage loan and commercial loan in detail.

When buying a house, many people have such a misunderstanding about loans that commercial loans and mortgage loans are the same thing. Actually, there are many differences between commercial loans and mortgage loans. Don't believe it? Then I'll talk about the difference between mortgage loan and commercial loan in detail.

First of all, the concept is different.

Mortgage loan means that the buyer obtains a loan from the bank with the pre-purchased house as collateral, and pays the bank in installments according to the repayment method and time limit agreed in the mortgage contract, and the bank charges interest at the interest rate. If the lender defaults, the bank can confiscate the house.

A commercial loan refers to a loan that a natural person with full capacity for civil conduct applies to a bank with the purchased property right house or other guarantee methods recognized by the bank as collateral when purchasing an urban self-occupied house.

Second, it operates in different ways.

Commercial loan is a way for buyers to borrow money from banks. Generally speaking, as a property buyer, you use the house you bought as collateral, sign a commercial contract with the bank, take the way of not transferring ownership as a guarantee, and repay the loan to the bank on schedule.

This kind of loan must pay interest. You have to pay off the principal and interest to the bank according to the contract, and then get back the collateral "House Ownership Certificate" and "Land Use Certificate". In other words, the ownership of the house is not yours until you pay off the loan. In case of default, the bank has the right to dispose of the house.

And mortgages are now like installment payments. Property buyers can acquire the ownership of the house by installment. As long as you pay all the money, the house is yours. However, mortgage transactions will involve three kinds of debt relationships, one is the buyer, the other is the seller, and the third is the bank.

The process of mortgage loan is that the bank signs relevant contracts with the seller, paying part of the expenses in advance, and then the buyer signs a mortgage contract with the bank on the basis of this contract, and the bank pays off the remaining purchase price to the seller. As long as the buyer pays the bank regularly until it is paid off, the whole process of mortgage loan is over.

Third, the treatment is different.

In fact, commercial loans also belong to mortgage loans, and loans must have land use warrants and housing ownership certificates. The basic procedure is that the buyer obtains the property right certificate first, and then handles other property rights certificates, and holds other property rights certificates as collateral.

Mortgage in the case that the property buyer has not obtained the real estate license. Generally, other property certificates are used as collateral first. After paying the house purchase price, the real estate development unit will transfer the property right to the mortgage beneficiary, and all property certificates can be held by the mortgagor.

To sum up, this is the whole content of this article. Generally speaking, mortgage loan is based on the house you are going to buy, while commercial loan is based on the house you already own. Are you clear? Finally, I hope you can buy your favorite house and live in your favorite house as soon as possible.

4. What is the monthly payment? What's the difference with installment payment? You can borrow commercial loans at most. ...

Monthly payment generally refers to the monthly repayment amount of a loan. Installment generally refers to the monthly repayment of consumption or bills after consumption by credit card. Monthly loan principal and interest payable; Installment payment only needs the repayment amount, and the consumption amount included in the repayment amount is divided by the number of installments and the handling fee. The maximum commercial loan can reach100000 yuan.