The reason why intermediaries do not allow office provident fund loans is that if you apply for a commercial loan, they can earn interest rate rebates from the bank. To put it clearly, you can get rebates from the bank! This is actually illegal. It was still being cleaned up some time ago. This seems to be the unspoken rule of loans. You don’t need him to apply for a loan. You can apply for a provident fund loan by yourself. The procedures are not complicated. Provident fund loans are definitely the loans with the most favorable interest rates. Don’t trust the intermediary.

You have paid the deposit (Without excuses, I will definitely not refund it to you). Is there any other written agreement? If not, you can definitely ask for a provident fund loan, otherwise you will sue him for breach of contract! You must try to get a provident fund loan, otherwise you will suffer a lot if the interest rate rises in the future