1. The difference between commercial loans and provident fund loans lies in the loan amount: commercial loans are generally unlimited, while provident fund is limited. The maximum amount of provident fund loans is 6,543,800+0,000.

2. Loan interest rate. The interest rate of provident fund loans is much lower than that of commercial loans. For more than five years, the benchmark interest rate of provident fund is 3.25%, and the benchmark interest rate of commercial loans is 4.9%.

3. Loanable scope: commercial loans are not limited, and the provident fund can only be used for residential loans.

4. Two sets of defining rules: commercial loans only recognize loans but not houses, and provident fund loans recognize loans and recognize houses.