1. The loan amount is different: the husband and wife provident fund loan amount will be higher than one person, and the husband and wife provident fund loan amount will be 30% to 60% higher than one person.
2. Different repayment methods: both husband and wife can use the balance of husband and wife provident fund to repay the monthly payment, and one person can only use the balance of his own provident fund to repay the monthly payment.