Public company loan discount refers to employees who meet the conditions of provident fund loans. Banks will first issue commercial personal housing loans according to the amount approved by the provident fund center, and the provident fund center will give spread subsidies every month. When the provident fund center is well funded, the commercial personal housing loan of the bank will be replaced and transferred back. The "revolution merchant" loan is essentially a commercial loan, which can be released on the day when the mortgage is registered, without waiting, so it has obvious advantages over the provident fund loan in terms of lending time. Loans from "public enterprises" do not increase the repayment pressure of loan workers. During the repayment period, the interest difference arising from the commercial housing loan interest rate being higher than the provident fund loan interest rate shall be subsidized by the provident fund center on a monthly basis.

The content of this article comes from: China Law Publishing House "General Knowledge Series of Legal Life"