What are the main types of commercial mortgages?

In the UAE, commercial mortgages come in 2 types: Owner-occupier mortgage Commercial investment mortgage Owner-occupier mortgages in the UAE: An owner-occupier commercial mortgage is a type of commercial mortgage that is used to purchase or refinance a commercial property that will be used by the borrower as their primary place of business. This type of mortgage is typically used by small businesses such as retail stores, restaurants, and offices that are looking to purchase or refinance the property they currently operate in. An owner-occupier commercial mortgage has some key features that differ from a standard commercial mortgage. The lender will typically require a lower down payment and may offer more favorable terms, such as a lower interest rate, because the borrower is using the property as their primary place of business. The lender may also consider the borrower's personal credit score along with the business credit score. Commercial investment mortgages in the UAE: A commercial investment mortgage is a type of commercial mortgage that is used to purchase or refinance a commercial property that will be used primarily for investment purposes. This type of mortgage is typically used by investors and businesses that are looking to purchase or refinance a commercial property that will generate income through renting it out or using it as a source of passive income. The terms and conditions of a commercial investment mortgage may differ from an owner-occupier commercial mortgage. The lender will typically require a higher down payment and may charge a higher interest rate because the property is not being used as the borrower's primary place of business. The lender will also assess the potential income-generating capacity of the property, as well as the creditworthiness of the borrower.