If it is the first time to buy a house, the down payment for commercial loans is 30%, and the down payment for provident fund loans is only 20% in some places. The interest rate of provident fund loan is lower than that of Shang Dynasty, and your purchase cost is much lower!

Similarly, they are all handled in banks, and they are all mortgage loans.

On the premise of provident fund loan, you need to have a local provident fund account with a balance in it, and a certain amount is credited every month. In addition, you must pay 12 months to qualify for provident fund loans.