1, the loan interest of personal provident fund loans is much less than that of current commercial service loans;

2. Housing provident fund loans can be used for a wide range of properties, and second-hand houses have fewer restrictions on building age; Can not be restricted by the bank account number of real estate developers, so that lenders can choose financial institutions to repay loans at will;

3. If you repay the loan in advance after the loan, you can choose part or all without reservation; After repayment, you can choose some loan repayment methods, such as shortening the repayment period, keeping the minimum repayment amount unchanged, keeping the repayment period unchanged, reducing the minimum repayment amount, increasing the repayment period and raising the minimum repayment amount. You can also choose to use the housing provident fund to repay the loan on a monthly basis and use the housing provident fund to rush the loan at the time of settlement.

Defects of personal provident fund loans:

1. According to the current policies in all parts of the country, individual provident fund loans can only be applied after a certain number of years of deposit;

2. The personal provident fund loan amount is limited.