They are higher for consumer credit. Here plays a role and the absence of mandatory collateral at https://www.moneyexpert.com/ and a shorter credit period, and more loyal requirements for the borrower. Mortgages are more difficult to obtain. For its approval is necessary:
- to confirm income, to have an official place of work.
- provide a co-borrower and information about his income including.
- agree the property with the bank.
- insure the life of the title borrower and the real estate to be acquired.
- to pledge the acquired real estate to the bank.

But it is these requirements that increase the security of the transaction and guarantee the bank the return of the issued amount in full. If the borrower fails to repay the loan, the bank will sell the apartment. This allows you to offer lower rates for the entire period of the loan.