Then this mortgage loan is more cost-effective, and it should be analyzed according to its own actual situation. If the loan amount applied is not particularly high, we are able to apply for provident fund loans, or we should choose housing provident fund loans, because housing provident fund loans are more cost-effective and have lower interest rates, and there is no need to pay liquidated damages for early repayment. However, if you apply for a personal account, you can apply for a maximum of 400,000 yuan per account, and the amount of application is not high, so it may not be enough to buy a house with a provident fund loan.

At present, the interest rate of personal commercial loans is lowered. If the qualification is better, the first suite can enjoy a minimum interest of 4.25%, and most cities are now implementing this interest standard.

Those who can apply for housing provident fund loans and commercial loans can choose to apply for housing provident fund loans first, and the rest will be subsidized by commercial loans, which not only saves interest but also ensures the loan amount.