Provident fund loans are better. The amount of provident fund loans is small. Therefore, when a commercial loan is converted into a provident fund loan, the applicant must first repay the difference between the total commercial loan and the total provident fund loan.

2. The amount of provident fund is full, because the amount of provident fund loans is often less than that of commercial loans, so you need to return the original business when you transfer commercial loans to provident fund loans.