Do the capital markets exist only for big corporate houses? To which market will the transaction belong in which an individual goes to a commercial bank for a 20-year housing loan?

No, capital markets do not only exist for big corporate houses taking into consideration that small businesses and investors can also participate in the capital market.

Step-by-step explanation

The capital market are the venues where funds are exchanged between the suppliers of capital and those parties who demand capital for use. This market is not only for big corporate houses since small businesses and emerging entrepreneurs can venture into this market to seek for capital for their investments. So small businesses, small investors and as well as big corporates can participate in the capital market.

If an individual goes to a commercial bank for a 20 year housing loan, then this transaction would belong to the primary mortgage capital market. This markets is where borrowers can obtain mortgage loans from a primary lender. In this case, the commercial bank is a primary lender and the individual obtaining the 20 year housing loan would classify the transaction into a primary mortgage capital market.