Excuse me, how to use the provident fund? I'll buy a house of 6 thousand and pay a down payment of 2 thousand. I have a down payment and don't want a loan. I just want to pay by installments with the money from the provident fund. loans with provident fund are the same as commercial loans, except that the interest rate is lower than that of commercial loans. The benchmark interest rate for commercial loans is 6.15%, and the benchmark interest rate for provident fund loans is 4.25%. Everything else is the same. If you have 6, yuan, you don't need to borrow money. You can only borrow money with a down payment of 2, yuan.