Which is more suitable now, public finance or bank loans?

Public finance has higher interest rates, but the loan conditions are more relaxed, and the down payment and repayment methods are more flexible.

For bank loans, the conditions are relatively stricter than those of public finance companies, but the interest rate is lower than that of public finance companies, and the operation is relatively standardized.

If the conditions are good, it is more cost-effective to borrow from the bank.