At present, there are many consumer loans and commercial loans in Shenzhen, and commercial loans can reach 3.2% if the requirements are met. In this case, the annualized rate is 3.85%, which is lower than the current annual mortgage loan of 5. 1%. The mortgage rate is around 70%. It is also the interest pushed by many banks;
Some people can consider making mortgage consumer loans if they can't have a company under their name. This product means that the house can be directly mortgaged without the need for the company as a borrower. Loans are mainly used to buy large household necessities, such as household appliances, furniture and decoration. The interest rate is higher than the operating loan, which is currently 3.9% ~ 6%/ month in Shenzhen. The repayment method is interest before principal or equal principal and interest. In addition, the amount is not high, and 3 million to 5 million is basically over; Of course, there are consumer loans within 10 million yuan, but the qualification requirements are relatively high, which makes it inconvenient to hold a good choice of the company and the demand for funds is not great.
If the demand for funds is large, or the credit information is poor, find a third party as a borrower (family/relatives/classmates/friends/colleagues with the company name), and you can operate normally as a mortgagor. It is not convenient to state too much here. Each bank has different emphases, and which bank to choose depends on your situation.
I suggest you consult with the relevant local banks or regulatory authorities.