Different meanings, different risks, and different uses.

1. Different meanings: One-time loan means that the lender issues the entire loan amount to the borrower at one time; mortgage loan means that the borrower uses certain collateral as an item to guarantee the loan obtained from the bank.

2. Different risks: One-time loans do not need to worry about the borrower's default or overdue monthly repayments. The bank's interest rate for one-time loans will be lower; mortgage loans have greater risks, and borrowing money If a person fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan.

3. Different uses: One-time loans are suitable for scenarios with relatively large capital needs; mortgage loans are used to purchase items such as real estate or cars.