1, the buyers are different. The provincial provident fund is generally bought by railway units and state organs. Generally, it is the city provident fund bought by enterprises. The unit that directly pays the provincial provident fund is the * * provincial provident fund management center, and the municipal provident fund management unit is the * * city provident fund management center.

2. The provincial provident fund can be used in the province, and the municipal provident fund can only be used in the city.

3. The repayment method is different. Loans are portfolio loans. If you save the provident fund, you can repay the part of the commercial loan first and then the part of the provident fund loan. The municipal provident fund needs to be repaid at the same time according to a certain proportion, and its service life may be longer.

4, the proportion is different, the provincial provident fund and the municipal provident fund will have certain differences in the loan amount. Generally speaking, the municipal provident fund can account for 70%, and the provincial provident fund accounts for 50%.