1. Different purposes: fixed assets loans are mainly used to purchase and invest in fixed assets, such as equipment, machinery and houses. The purpose of this kind of loan is to help enterprises expand production capacity, improve production efficiency or increase asset scale. Project loans are used to support specific projects, such as real estate development, infrastructure construction and product research and development. Project loans are usually associated with specific project plans and goals.

2. Different repayment methods: the repayment method of the project loan is related to the project progress or stage. According to the different stages or progress of the project, the borrower should repay the loan according to the agreed timetable. This repayment method can be flexibly adjusted according to the actual situation of the project and the capital demand. Fixed assets loans adopt fixed repayment methods, such as equal principal and interest or average capital. The borrower shall make a fixed monthly repayment according to the agreed period and amount until the loan is fully paid off.