Detailed reasons:

Housing accumulation fund policy is a policy and regulation issued by the government to protect citizens' housing rights and interests, not a simple commercial act, and developers are obliged to abide by it;

Choosing commercial loans or provident fund loans is the right of buyers, and developers should not restrict it;

Some developers are unwilling to apply for provident fund loans because of cumbersome procedures and slow payment;

In the market conditions where houses are relatively easy to sell, developers certainly choose buyers who are willing to make commercial loans;

If the house is not easy to sell, developers have to accept provident fund loans.

Summary: Provident fund loans have become the first choice for many needy families because of their low interest rates and convenient procedures. However, provident fund loans also have their limitations, because not all real estates and developers support provident fund loans in real life, especially in the current extremely hot real estate market, this limitation is more obvious.