If you pay the provident fund every month and reach a certain period (say, one year), you are eligible to apply for a provident fund loan. It is a loan from the provident fund management center with low interest rate. But there is a certain limit to the loan, such as 300 thousand. In other words, you can only borrow 300 thousand.

Commercial loans are made directly to banks. This interest rate is higher and there is no limit.

If you buy a house with a price of 1 10,000, you need a loan of 600,000 for the down payment of 400,000, but the provident fund can only borrow 300,000, so the other 300,000 must be a commercial loan.

The model of provident fund loan+commercial loan is portfolio loan.

Back to your question, down payment is a threshold. If you have a down payment difference of 20,000 yuan, you can only make up this 20,000 yuan before you can get a loan. Otherwise, there is no way.