Shenzhen implements floating interest rates, and the interest rates of provident fund loans and commercial loans are quoted on the basis of the current deposit benchmark interest rate, which may be slightly different according to the customer's credit rating and actual situation. Under normal circumstances, the interest rate of provident fund loans will be lower than that of commercial loans, which are 4.5% off, while the interest rate of provident fund loans is 7.4% off.

In Shenzhen, the interest rates of provident fund loans and commercial loans are calculated according to the benchmark interest rate of demand deposits, and the final interest rate may be slightly different according to the credit rating of customers.

Generally speaking, the interest rate of provident fund loans is lower than that of commercial loans. The common commercial loan interest rate is 4-5 fold, and the provident fund loan interest rate is generally 3-4 fold.

In addition, property buyers can also reduce the cost of loans through discount loans and special stickers.

For example, for some newly developed projects, developers can offer preferential loans to property buyers, thus reducing the loan cost of property buyers.