1) The interest rate of housing provident fund loans is lower than that of commercial banks. The annual interest rate of provident fund loans for less than five years (including five years) is 4. 14%, the lowest for commercial banks is 5.427% for 1-3 years (including three years) and 5.508% for 3-5 years (including five years); The annual interest rate of housing provident fund loans for more than five years is 4.59%, and the minimum interest rate of personal housing loans of commercial banks is 5.75 1% in the same period.

2) The loan target is different, and the provident fund loan target needs to be the depositor of the housing provident fund center; Commercial housing loans do not need provident fund depositors.

3) There are different regulations on the maximum amount of a single loan. Generally speaking, there is no provision for the maximum amount of a single loan for housing loans of commercial banks; At present, provident fund loans stipulate that the maximum loan amount for dual employees who buy houses in cities and towns does not exceed 200,000 yuan, and the maximum loan amount for single employees who pay housing provident fund does not exceed 654.38+10,000 yuan; The maximum loan amount for dual employees who buy houses in this county is no more than 6.5438+0.2 million yuan, and the maximum loan amount for single employees who pay housing provident fund is no more than 60,000 yuan.

4) There are different provisions on the maximum loan life of a single loan. The longest single loan in a commercial bank's housing loan is not more than 30 years (basically controlled within 20 years in actual operation); At present, provident fund loans stipulate that the longest loan period in urban areas is 20 years, and the longest loan period in county towns is 15 years.