Commercial loans: After the central bank cut interest rates five times, the benchmark interest rate for commercial loans over five years has dropped from 5. 15% to 4.9%, and at present, many banks give a 15% discount, that is, 4. 165%.

Provident fund loan: the interest rate of provident fund loan is still 3.25%, but it is already at the lowest level in history.

Judging from the loan interest rate, the commercial loan interest rate is the highest among other mortgage interest rates, so the provident fund loan is more cost-effective.

The repayment method of provident fund loans is more flexible.

Commercial loans: The repayment methods of commercial loans are divided into average capital and equal principal and interest. The repayment method in average capital is under great pressure in the early stage, and then decreases month by month. Matching principal and interest is suitable for borrowers with fixed income.

Provident fund loan: the repayment method of provident fund is flexible, and borrowers can choose by themselves. He will go to the loan bank on June 1-20 every month to repay the loan principal and interest in cash. The borrower can repay all the loan principal and interest in one lump sum or part of the loan principal in advance.

In terms of repayment methods, different borrowers should choose their own repayment methods according to their own conditions.