Lenders have to set aside less capital for loans against property because of its security as collateral.

贷方不得不针对房贷留出更少的本金，因为房贷有安全性的附属特性。

youdao

Similarly, real property (land and buildings) and equipment are good forms of collateral, but they are generally used as security for long-term loans rather than for working capital loans.

同样，房地产(土地和房屋)以及机器设备均可作为优良的抵押品，但是通常情况下他们用于长期贷款担保，而非流动资金贷款担保。

youdao

The ECB has a pretty generous and broad definition of the assets or collateral it is prepared to take as security for loans to banks.

BBC: Why banks are eurozone's fault line