Refers to loans granted by lending institutions to people with low income and poor credit. It is also divided into sub-prime mortgage and sub-prime mortgage. The interest rate of subprime loans will be higher than that of normal loans, and the interest rate of subprime loans will be higher and the credit risk will be greater. Due to the borrower's personal credit and income, it is more likely to be overdue, and the longer the loan time, the higher the interest rate will be.