Commercial loan. Generally speaking, the review time of provident fund loans is longer than that of commercial loans, that is, commercial loans are faster, but provident fund loans are relatively stable, and some commercial loans are insufficient at the end of the year, and loans may be delayed. In this case, the provident fund loan can be directly loaned. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.