1, loan conditions: the commercial loan object is qualified through credit investigation; Provident fund loans must be paid by on-the-job employees and paid in full within a certain period of time.

2. Type of house: you can use provident fund loans to buy ordinary houses, but you can't use provident fund loans to buy commercial houses and villas; Commercial loans are not limited by the type of house.

3. The loan process is different from the examination and approval institution.

4. Different loan interest rates: the loan interest rate of provident fund is low, and the interest is low; The interest on commercial loans will be higher.

5. Different sources of funds.