Hello, the difference between commercial loans and provident fund loans is: 1. Loan amount: there is generally no limit on the amount of commercial loans, but there is a limit on the amount of provident fund. The maximum amount of provident fund loans is 6.5438+0 million.

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

3. Loanable scope: commercial loans are not restricted, while 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.