1, the loan interest rate is lower than the commercial loan interest rate. The benchmark interest rate for provident fund loans for more than five years is 3.25%, and the interest rate for commercial loans is 4.9%. This leads to an obvious thing, that is, the loans are of the same amount, and the provident fund loans will have a lot of money left over from commercial loans.

2. The down payment ratio is low. The down payment ratio of commercial loans should not be less than 30%, and the minimum provident fund should be 20%. Therefore, it can reduce the down payment pressure of buyers.

3. There is no penalty for early withdrawal of provident fund. It will be difficult to buy a house at first. After saving money slowly, you will feel that you don't want to pay so much interest. At this time, you will think of prepayment, but for commercial loans, prepayment is a penalty, and there are many more. And provident fund loans, there is no such problem, provident fund loans, loans for one year, you can apply for early repayment, no penalty.