Personal housing mortgage loans are divided into commercial loans and provident fund loans. Compared with the two kinds of loans, the interest rate of provident fund is much lower, and the interest rate of commercial loans is very high. But from the convenience of handling, it is very troublesome to handle provident fund loans. The most important reason is that there are many procedures for provident fund loans, which are not the performance indicators of bank employees. Therefore, developers and banks will do everything possible to prevent buyers from using provident fund, and they will continue to persuade buyers to use commercial loans.