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>- separate interest rates for residential mortgages, commercial property, consumption and productive investments (industry, infrastructure, education)

How do you propose to do that? If I have money to lend, I'm pretty sure I'll lend it wherever I like the return I get. So interest rates are all related to each other - they should be risk-adjusted equal, because the lenders don't care about anything else.

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Separate rates already exist. Try buying an investment property and you'll see the rate is higher because there is more risk to the lender.

I said "risk adjusted", so I think you're agreeing with me.

I guess so? I interpreted the parent's use of "separate interest rates" to mean nominal rates.

Separate rates and markets already exist. Commercial property is a totally different market than residential, and agricultural is yet another market. Investment into residential is different than primary residence in origination rules and pricing.

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