1. Loans are different in nature: gold and silver loans are a kind of credit loans, which are flexible in use and can be used for purchasing household assets and consumption. Mortgage is a kind of mortgage loan, and the borrower needs to provide real estate as collateral. The purpose of the loan is mainly limited to the purchase of houses and related property expenses.

2. Different repayment methods: Gold and silver loans can usually choose flexible repayment methods such as equal principal and interest or average capital. The repayment method of mortgage is relatively fixed, usually equal principal and interest or average capital, and the borrower needs to repay on schedule according to the contract.