lease是租约的意思，而loan则是贷款的意思，区别可以从以下例子看出：

Lease is a agreement made between landlord and tenant, and loan is the agreement between you and the loan provider, such bank. 租赁是房东与租户之间的协议，而贷款是您与贷款提供者（例如银行）之间的协议。