Housing provident fund discount loan refers to the business that banks first issue commercial housing loans to provident fund borrowers during the waiting period for provident fund loans, and the municipal housing provident fund management center gives subsidies according to the interest difference between commercial loans and provident fund loans, and then returns the commercial loans to banks after the provident fund loans are issued.

Provident fund discount loans are mainly for portfolio loans. Compared with provident fund loans, the review of provident fund discount loans will be more relaxed and the lending cycle will be faster, but the risks are also higher than those of provident fund loans.

1, provident fund discount means that the remaining amount of the housing provident fund center is not enough, and the application for provident fund loans is converted into commercial loans, and the excess interest is subsidized by the housing provident fund center.

2, provident fund loans, that is, when you buy a house, you all use provident fund loans instead of commercial loans. Of course, it must be that your provident fund loan is enough to pay your house payment, otherwise you will either pay the insufficient house payment in cash or use a commercial mortgage loan with higher interest rate.