Yes, the interest rate of provident fund is lower than that of commercial loans, and there is not much difference in a short time, but the mortgage is often 30 years, which can make a difference for a car. The problem is that in many cities, even couples can only borrow 800,000 yuan from the provident fund. So you need to find out whether you can get a loan of 900 thousand. If you can get a loan, it's best. If you can't get a loan, you can also get a combined loan.