The main differences between provident fund housing loans and commercial bank housing loans are as follows:

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 Bengbu 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, Bengbu provident fund loan stipulates that the maximum loan amount for dual employees who buy houses in urban areas 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 shall not exceed 1.2 million yuan for dual employees who purchase houses in three counties under the jurisdiction of the city, and 60,000 yuan for single employees who deposit housing provident fund.