1. Requirements: Mortgage loans need valuable things such as houses and cars as collateral. Moreover, unsecured loans do not need collateral, while individuals apply for loans only by personal credit, and apply for unsecured credit loans.

2. Amount: The loan amount of mortgage loan is related to the assessed value of collateral, and generally the amount is large. The amount of unsecured loans is related to personal income and credit information.

3. Interest rate: Due to different risks, the interest rate of general mortgage loans is lower than that of unsecured loans.

4. Application conditions: The most important application condition for mortgage loan is that it can provide low mortgage. The application conditions for unsecured loans require a good personal credit record and proof of work and income to prove future repayment ability. Different banks have different requirements for applying for unsecured loans.

Generally speaking, the requirements for unsecured loans will be much stricter and the approval will be more difficult. However, for those who are truly unsecured, unsecured loans are also an option.