SFR HELOC vs commercial LOC backed by SFR

[Craig Ts]

Can someone share some information about what is difference between SFR HELOC vs commercial LOC backed by SFR ? Talking to friend seemed like both of them are almost same except for following:

• Withdraw period - HELOC 5 to 10 years, commercial LOC 1 to 10 years
• Interest rates - can be same, depending on bank

In case of commercial LOC, at end of withdraw period account would be reviewed and extended (with balance carried forward) or closed depending upon situation.

If interest rates are same in both cases, which one is better ? why ?