There are restrictions on prepayment of commercial loans, for example, prepayment is not allowed for several years, and prepayment can only be made for three times.

There is no limit to the prepayment of provident fund, and you can change it if you repay more than 5,000 yuan, so what you said, "I can repay 50,000 yuan of commercial loan in a few months, but if it is included in the provident fund, there will be high interest" will not appear.

You can apply for a portfolio loan at the same time when you apply for a provident fund loan, and the provident fund will help you, but in this case, you will only apply for a portfolio loan if the amount of the provident fund loan is not enough.

I suggest you do the math well.