Farmers' housing loans are mortgage loans. Farmers who voluntarily buy commercial housing in cities and towns can apply to the bank for loans for farmers to buy houses if they meet the application conditions. Compared with ordinary mortgage, Anjia loan has more advantages. In addition to early repayment without penalty, there are many repayment methods, such as monthly, quarterly, semi-annual or annual repayment. Moreover, the threshold for farmers to apply for housing loans is low and there is no proof of income. It is also possible to provide income statement and recent bank account.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate.