According to China's relevant policies and regulations, the difference between housing provident fund loans and commercial loans is as follows: 1, and the interest rate is different: commercial loans are higher (10 year, 202 1 year) 6.55%. Provident fund 4.5%. 2. The lending time is different: commercial loans are fast and provident fund is slow. 3, the maximum amount is different: commercial loans are generally not limited, provident fund is limited, local regulations are different, the maximum amount is generally ranging from 400,000 to 800,000. 4. Different loan objects: commercial loans are not limited, and the provident fund can only be handled for the deposit object. 5. Different loan authority: commercial loans are not limited, and provident fund loans are limited to deposits or loans from different places allowed by policies.