1. Soldiers who apply for provident fund loans are not allowed to be the main borrowers (if they are registered, they can use their spouses as the main borrowers to help repay the loans).

2. Only commercial loans.

3. If it is a newly bought commercial house, look at the house first, then the sales staff will help you figure out how to get a loan, how much down payment and how much you need to pay, then you can decide whether to buy it or not, and finally sign a contract to handle the loan.

If you buy a second-hand house, look at the house first, and a broker will help you calculate the relevant expenses, then sign a contract, and handle the transfer and loan at the same time.

4. The pressure to repay the principal and interest is relatively small, and the same amount of money is paid every month, and the total interest is more than the principal, so it is more appropriate to repay the loan in advance.

The pressure of repaying the principal in the early stage is relatively high, and then it will decrease every month. The total interest is less than the principal and interest, so it is not appropriate to repay the loan in advance.

Young people generally choose the repayment method of equal principal and interest.