Loan to buy a house, the sales staff said that the monthly commercial loan is less than the provident fund loan, because the bank gives them preferential treatment. Do you have any friends in a similar situation? Provident fund loans are equivalent to 75% off commercial loans, and the monthly payment is calculated according to your loan life, so the seller's statement is inaccurate or misleading. You ask him, how much discount can the bank give? If it's less than 7.5%, then it's definitely cost-effective for you to get a commercial loan, but if you can only get 20% or 10%, forget it. Let's do provident fund loans, but the approval time is longer, and the seller's commission is later, but you will spend a lot less money. Moreover, it is impossible for banks to have preferential treatment now, unless you have a particularly good relationship, which is basically the benchmark interest rate. I hope you think twice.