1, loan conditions are different: credit loan, which requires a stable work unit, specific and timely repayment ability, and can apply for a loan. Mortgage loans need to have assets in advance, such as houses, vehicles and insurance policies.

2. The loan amount is different: the credit loan amount will be calculated according to the individual's salary, so the loan amount will be less. Because there are mortgaged items, the risk of banks or borrowers is small, so the amount will be higher.

3. Different maturities: The time for credit loans is generally three to five years, which is relatively short, while mortgage loans can be borrowed for ten years, which is much longer than credit loans.

4, different requirements: credit loans, because there is no mortgage, so you need to have a good credit record in the loan, for blacklisted or whitelisted people, lending is more difficult. Mortgage loan, as long as the collateral is there, will not have too many requirements for the borrower itself.

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Precautions:

For credit loans, the borrower's credit problem is very important, so the borrower needs to pay attention to the credit report first. Before handling the credit loan business, the borrower needs to know the credit status first. Every previous application has been shown in the credit report, and borrowers had better check the credit report before lending.

Because it is a credit loan, the borrower also needs to consider his personal situation, including work certificate and residence, when lending. The borrower must use the real work unit when applying for a loan, so as not to bring problems to the subsequent approval.

Most lending institutions need work certificates, which cannot be filled in at will and cannot exceed the actual income of borrowers. After the work certificate, the borrower also needs to fill in the position truthfully. For work, filling in correctly can improve the loan approval rate. In addition, the lending institution will require the borrower to show the residence certificate stamped with the seal of the neighborhood Committee and the street office. Even if the village committee seals the official seal or lease contract, no one will look down on the borrower.