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Finance is the time study and risk analysis of money, finance is a common word in the money market, it also means getting money or getting anything on loan etc. Finance also refer to the risk management of the large projects either government or privately financed, that is either of them id investing on the project. There are various areas in which finance is applied or financial services are used (financial services are the services provided by financial companies), some of them are financial markets, personal finance and corporate financial services.

• Personal Finance:Personal finance includes money related to personal works.
• Credit and Debt: Credit is the agreed amount of money paid by one party (lender party) to the borrower party, in lieu of the credited money the lender charge some interest, debt is the same as stated above as seen from borrower party.
• Employment contract: It is the contract between the employee and the employer, it states a period for which the employee has to work for that particular employer, if the employee failed to do so, and then he is liable to pay an agreed amount of money to the employer. This contract also involves financial services.
• After Retirement Solutions: After working for so long, one should spend hi/her old age with comforts, for getting a quality life after retirement you should take a retirement plan as you are working. After getting a suitable policy you have to pay a fixed monthly premium to the company, and after retirement you are paid by the company monthly, the monthly installment you get is comparatively higher as compared to the premium you paid.
• Corporate finance: It deals with the financial decisions related to corporations; the corporate financers generally do analysis of the finance related decisions taken by them, and after the final report of the financer’s committee bill is passed. The basic aim of the corporate financers is to maximize the profit of the company and lowering down the order of risk taken by them while investing, they superficially tell where to invest and which market will give them maximum profit. Before arriving at the final decisions they generally do a detailed study of the market, its review, ups and downs in near future and the growth provided by the market to the company. These analysis of different areas is performed over a long time as scheduled by the company, each member of the financial committee is given a specific task( specific area), and is told to submit a report in the specified time, this technique of dividing the work increases the effectiveness and productivity of the work.

Mortgaging on the other hand is the act of getting loan against any of your assets like property, gold etc. Both the party sign agreement that if the borrower (party who is getting a loan) is not able to return back the loan to the mortgage lender due to any reason, than you will not be able to get back your things and ornaments. The things which we give to the mortgage lender are known as mortgage. A fixed rate of interest is applied on the principal money which we get from the mortgage lender and the borrower is required to pay the amount (principal+ interest) back to the mortgage lender.