There is no need to make such a clear distinction. . . . We must distinguish between the housing provident fund and the housing provident fund loan to buy a house. One of them uses its own money to buy a house, while the other uses borrowed money to buy a house. Otherwise, both of them use the "provident fund to buy a house". Anyway, there is not much difference.

Buying a house with provident fund loan requires: official down payment invoice, house purchase contract, provident fund card, single or marriage certificate, insufficient provident fund loan, or making up with your own money, or using commercial loan (the first suite enjoys a preferential interest rate of 30%).

The maximum amount varies from place to place, depending on the amount you pay.

I need more details. Look at my answer to others.

Nothing can be more cost-effective. "Buying a house with provident fund" can be understood as buying a house with your existing provident fund, which is equivalent to buying a house with cash. If you have enough cash, it is the most cost-effective, because you don't need other expenses; You can also understand "buying a house with a provident fund loan" as a loan (or borrowing money) to buy a house, which requires paying interest, of course, you have to pay more.