The process of handling provident fund loans is as follows: both parties sign a sales contract → evaluation → preliminary examination of provident fund management center → face-to-face signing → transfer → loan granting → mortgage registration; The process of handling commercial loans is: both parties sign a sales contract → evaluation → face-to-face bank signing → loan approval → transfer → mortgage registration → lending. From the loan process, provident fund loans are loans based on deed tax tickets after transfer, and commercial loans are loans after mortgage registration. It seems that the time for provident fund loans is faster than that for commercial loans. However, because the provident fund loan has a preliminary examination link, compared with commercial loans, the provident fund loan still needs to delay several tasks, and the provident fund loan still needs to be accelerated.