The difference between commercial loans and provident fund loans is as follows:

1. Loan conditions: Commercial loan recipients must pass the credit review; provident fund loans must be employees who have paid provident fund. It can be processed only after paying in full and continuously for a certain period of time.

2. House type: Provident fund loans can be used to purchase ordinary residences, but provident fund loans cannot be used to purchase commercial houses and villas; commercial loans are not restricted by house type.

3. The loan process and approval agencies are different.

4. Loan interest rates are different: provident fund loans have low interest rates and low interest rates; commercial loans have relatively higher interest rates.

5. Different sources of funds.