What is the difference between regular (commercial) mortgage finance and the government mortgage initiatives?

Commercial finance is subject to the bank's free interest rates and allows units to be financed at open prices with no income conditions. The initiatives (such as the 3% and 8% ones) are state-subsidised, target specific segments (low- and middle-income buyers), with very low fixed interest rates and longer repayment periods, but with strict conditions on the price and the area of the unit.