1. Commercial loan: Commercial loan has no limit. Compared with the provident fund, there are fewer restrictions and various repayment forms. The specific amount is subject to the specific amount, and the bank will make a comprehensive evaluation based on the total housing production price and the borrower's repayment ability. However, the loan interest rate is relatively high, ranking first among other mortgage interest rates;
2. Provident fund loans: There is a limit on the amount of provident fund loans. The average city has a maximum amount of provident fund, which does not exceed 70% of the real estate;
3. Compared with the loan amount, people who need large loans are more suitable for commercial loans; Borrowers with relatively small capital requirements are more suitable for provident fund loans;
4. Lower interest rate of provident fund loans: Commercial loans: After the central bank cut interest rates five times, the benchmark interest rate of commercial loans over five years has dropped from 5. 15% to 4.9%. At present, many banks have given a 15% discount;
5. Provident fund loan: the interest rate of provident fund loan is still 3.25%, but it is already at the lowest level in history;
6. From the loan interest rate, since the commercial loan interest rate is the highest among other mortgage interest rates, the provident fund loan is still relatively cost-effective;
7. The repayment methods of provident fund loans are more flexible: commercial loans: the repayment methods of commercial loans are divided into equal principal and interest. The repayment method in average capital is under great pressure in the early stage, and then decreases month by month. Matching principal and interest is suitable for borrowers with fixed income;
8. Provident fund loan: The repayment method of provident fund is flexible, and the borrower can choose by himself to repay the loan principal and interest in cash at the loan bank on June 1-20 every month. The borrower can repay all the loan principal and interest in one lump sum or part of the loan principal in advance.
9. In terms of repayment methods, different borrowers should choose the repayment method that suits them according to their own conditions.