1. Different loan interest rates

Provident fund loan: 4.5%.

Commercial loans: 6.55%

2. The loan process is different.

To apply for a commercial loan, the loan must be reviewed before the transfer, and the provident fund loan is reviewed after the transfer.

3. Different uses

Commercial loans can be used to buy a house and do business.

Provident fund loans can not be used to buy commercial housing, but can only be used for house purchase and decoration.

4. Different object-oriented.

Commercial loans are for all eligible members of the public, while provident fund loans are only for employees who pay provident fund.