What's the interest rate for buying a hotel-style business loan?

Now the annual interest rate of commercial loans is 7.74, which is the latest interest rate after interest rate adjustment of 9. 16, corresponding to the monthly repayment amount. But now you have to consider one thing, because your loan is a commercial loan, whether it is the first loan, and the credit policy of your local bank, which will affect your interest rate. Generally speaking, if it is the first commercial loan, the interest rate can be lowered by 15%, and the preferential interest rate is implemented; If it is the second set of commercial loans, the interest rate will rise 10%. The repayment methods of commercial loans mainly include average capital and equal principal and interest. If you consider prepayment, and your upfront capital strength is good, then you can consider choosing average capital and average capital as the way of decreasing repayment. The upfront repayment pressure is great, but the principal in monthly repayment is more important than the equal principal and interest. On the contrary, you choose the equal principal and interest, that is, the monthly payment method, and the repayment amount in each period is the same, so the pressure is less.