The interest rate of provident fund loans is relatively low. If the unit has paid the provident fund, it can apply for a provident fund loan with the lowest interest rate. If it does not pay the provident fund, all commercial banks are the same. Bank mortgage loan application process is relatively slow. If you are in urgent need of money here, you can find a financial service company to make a credit loan in Beijing. My friend made a credit loan in a company named "Aide Rong Hui" last time, and got the money three days after the application.