For developers, there is no essential difference between provident fund loans and commercial loans, mainly on the bank side. The procedures of provident fund loans are indeed more troublesome than commercial loans, and for banks, the benefits of provident fund loans are less than commercial loans (not to mention that the interest rate of provident fund loans is much lower than commercial loans, and the interest rate of commercial loans can still rise), so banks certainly hope that customers can apply for commercial loans. What happened to you is not a case, it is quite common. When I bought a house, the developer didn't say that I couldn't use provident fund loans, but if I stipulated commercial loans, I could get 97% off the total house price, which means I hope I don't use provident fund loans.

As for whether customers use provident fund loans or commercial loans, this is their own right. Developers and banks have no right to interfere and refuse customers to use provident fund loans (provided that you meet the conditions of provident fund loans). One of my classmates bought a house, and the developer cooperated with the Agricultural Bank of China. The Agricultural Bank also said that it would not apply for provident fund loans. In a rage, my classmates switched to China Bank, successfully approved the provident fund loan, and got the house. Therefore, if you meet the requirements for provident fund loans, and the cooperative bank of the developer insists on not providing you with provident fund loans, you can completely change to another bank. In addition, you can also complain to the local banking regulatory bureau.