1. Consumer loans, also known as consumer loans, mainly refer to personal loans for studying abroad, house decoration, purchasing durable goods or even buying a car. In terms of types, consumer loans include residential mortgage loans, non-housing loans and credit card loans. It has the characteristics of wide consumption purposes, high loan amount and long loan period.

2. Mortgage loan refers to the loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.