The difference between provident fund loan and commercial loan portfolio loan is as follows: 1, and the loan interest rate is different. The loan interest rate of provident fund loans for more than 5 years is 3.25%, resulting in low total interest. For commercial loans, the loan interest rate is 4.9%, and the total loan interest is relatively high without discount. The loan interest rate of portfolio loans is between 3.25% and 4.9%, and the total loan interest is relatively moderate. 2. The loan amount is different. The loan amount of provident fund is limited by the deposit period and balance of individual provident fund. In addition, the policy also stipulates the maximum loanable amount of the provident fund; The loan amount of portfolio loans and commercial loans is higher than the provident fund. Therefore, many people choose portfolio loans when the amount of provident fund loans is insufficient. 3. The loan terms are different. The requirements of commercial loans are good personal credit, no bad credit record and repayment ability. As long as you buy a house, whether it is an ordinary house or a commercial and residential building, villa or office building, you can use commercial loans. The use of provident fund loans also requires good personal credit. In addition, there is a requirement that the individual's provident fund account must be paid in full within the first six months from the date of loan. Provident fund loans are only for families who buy ordinary houses, villas and other non-ordinary houses, commercial and residential buildings and other non-housing families, and provident fund loans are not allowed. Portfolio loans must meet the requirements of both provident fund loans and commercial loans. In addition, individuals have outstanding provident fund loans and can no longer use provident fund loans and portfolio loans; Moreover, there are outstanding commercial loans. In addition to restricting purchases and loans, you can also use commercial loans to buy a house. Another problem is that when buying a house in many cities, loans from different places are restricted, and natural portfolio loans are not acceptable; On the other hand, commercial loans can be exempted from local restrictions. 4. Simplification of loan process The process of different commercial loans is relatively simple. Banks will issue loans soon after they apply for commercial loans. The process of provident fund loan is complicated, so it is necessary to apply to the housing provident fund management center first, and then apply for a loan after the center reviews it. It takes a long time from application to loan issuance. In portfolio loans, commercial loans are applied to loan banks, and provident fund loans are applied to provident fund centers. Lending is slower than provident fund loans and commercial loans. 5. Different sources of funds The funds of the housing provident fund management center come from the housing provident fund paid by individual employees and their units, which can be simply understood as "taking it from the people and using it for the people". Commercial loans are transactions in which real estate is used as collateral to obtain one-time loans from banks and other financial institutions. The funds for portfolio loans come from provident fund centers and banks. The three loan methods have their own advantages and disadvantages. When buying a house, you should choose the loan method that suits you according to the loan conditions and your own needs.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.