Most owners don't want to borrow money to buy a house. Whether it's business or provident fund, the procedures are more troublesome, mainly because they have to wait for every step, and it is easier to negotiate a price by one-time payment. But after all, only a small part of the house payment can be paid in one lump sum, so many owners don't care. You misunderstood a question. Now provident fund loans will not be slower than commercial loans, and at the end of each year, all owners want buyers to buy provident fund, because the provident fund center will approve banks, and commercial loans are approved when banks don't have that much money at the end of the year.