Asimilarity between mortgages and auto loans is that both
are more risky for lenders.
require a down payment.
are less risky for lenders.
require minimum payments.

In the choices above, the correct answer that fits in the description is that it is less risky for lenders because of its components and abilities to lend money in a way that the people and lender could understand and negotiate with. It is more accurate and less risky because it has set of rules in terms of their payment and contract.