1. The purchasing units are different: the provincial provident fund is purchased by state organs and units, and the municipal provident fund enterprises are purchased by employees.

2. Different repayment methods: if it is a portfolio loan and the provident fund is saved, the part of the commercial loan can be repaid first, and then the part of the provident fund loan can be repaid.

3. The loan amount and conditions are different: the provincial provident fund and the municipal provident fund will have certain differences in the loan amount.