1. Interest rate difference: at present, the annual interest rate of housing provident fund loans is 3.25% for 1-5 years and 3.75% for more than 6 years; Bank loans, 5.5% for less than 5 years and 5.65% for more than 6 years; The difference between them is less than 5 years, 2.25%, and more than 6 years 1.9%. In terms of interest rate, the interest rate of housing provident fund should be more favorable than that of banks.

2. Interest difference: equal repayment of principal and interest, taking the loan of 200,000 for 20 years as an example, the total repayment of housing accumulation fund is 284,586.39 yuan, and the total repayment of bank is 334,265.65 yuan, with a difference of 49,679.26 yuan; Taking 300,000 years as an example, the total repayment of housing provident fund is 426,879.59 yuan, while that of banks is 50 1.398.47 yuan, with a difference of 745 1.88 yuan. The difference is enough to make you struggle for a year less.

Iii. Repayment difference: Under the condition that the lender repays normally and the collateral remains unchanged, the housing provident fund loan can be withdrawn once a year, and the withdrawal amount is the amount of the housing provident fund loan repaid in the previous year, so the repayment pressure is relatively light. With the increase of wages, the amount of housing provident fund deposit may increase. At the same time, when the housing provident fund loan balance is equivalent to the account balance, the lender can withdraw the account balance at one time to pay off the loan.

4. Employees who pay housing provident fund and their spouses, parents and children can apply for housing provident fund loans in the name of employees who pay housing provident fund. You can also apply for buying a house in other places.