1. Comparison table of expected annualized interest rates of provident fund loans and commercial loans (based on the expected annualized interest rate of commercial loans in this table) Guangzhou provident fund loans loan time provident fund loans expected annualized interest rate% commercial loans expected annualized interest rate% interest expense savings% 1-5 years 3.75 5.92 (average) 36.66 5 years or more 4.256./kloc- Interest range (calculated at the benchmark expected annualized interest rate): the loan is 500,000 yuan, with a term of 20 years. The provident fund loan can save interest expenses 127,10,000 yuan compared with commercial loans.