1. Fixed assets loans cover a wide range, including infrastructure loans, technical transformation loans, and even the transformation or renewal of a certain part of the production line, new production capacity, etc. Real estate development loans are medium and long-term project loans issued to real estate development enterprises for housing, commercial housing and other real estate development and construction. The object of real estate loans is registered state-owned, collective, foreign-funded and joint-stock enterprises with real estate development and management rights. The term of real estate development loans is generally not more than three years (including three years).

2. The terminology is different. Fixed assets loans have a long term, often one-time approval, multiple issuance and loans; The interest rate is fixed every year. The term of real estate loans is relatively short.