Ask experts for advice on bank mortgage loans. I have several commercial and residential houses in Haiyang City, Yantai, Shandong Province. I don't know how to apply for a bank mortgage loan. Please g

Ask experts for advice on bank mortgage loans. I have several commercial and residential houses in Haiyang City, Yantai, Shandong Province. I don't know how to apply for a bank mortgage loan. Please give me some advice. There are two ways: first, apply to the local bank to mortgage the commercial and residential dual-use house (which must be legal and complete), and the total loan amount shall not be higher than 70% of the assessed value, and go through the mortgage registration with the housing management department. The second is to apply to the bank and guarantee through a formal guarantee company. Guarantee companies need to implement counter-guarantee measures and charge a certain guarantee fee. Compared with the two, the cost is 40 ~ 50% higher than the interest. The annual interest rate of all loans is about 10 ~ 15%.