1, provident fund discount means that the remaining amount of the housing provident fund center is not enough, and the application for provident fund loans is converted into commercial loans, and the excess interest is subsidized by the housing provident fund center. 2, provident fund loans, that is, when you buy a house, you use provident fund loans instead of commercial loans. Of course, it must be that your provident fund loan is enough to pay your house payment, otherwise you will either pay the insufficient house payment in cash or use a commercial mortgage with higher interest rate. Benefits of discount mortgage: The existing portfolio loan procedures are relatively complicated, and the borrower needs to pay the lawyer's fee, insurance fee, provident fund loan evaluation fee and commercial loan mortgage registration fee at the same time. Discount business is that banks, capital centers and guarantee centers entrust law firms to accept personal loan, discount and guarantee application procedures, and borrowers can complete the application only by entering the door once, which simplifies the procedures and reduces the cost.