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Template builder is an easy way to create powerful templates and you don't need to know CSS or HTML in order to create your template. You can easily add some styling, e.g. background images, set color, text heading, etc. The output of Template builder is a master page with style sheet files and images that template requires. In order to use generated template you have to import it in Sitefinity. This is done with Template Import module, which is available with Sitefinity SDK.
The layout editor is built in Sitefinity. In order to set some styling (font, coloring, etc.) to the template you have to set an already registered theme in Sitefinity.
Here are two link regarding Template builder and Layout editor. Hope they will be helpful.