Now the answer to your question is as follows:
1. Under the same loan amount and years, the monthly repayment amount of the provident fund is lower than that of commercial loans because of the low interest rate of the provident fund. This is determined by the nature of provident fund loans (public welfare and mutual assistance) and the nature of commercial loans (operation and profitability).
2. The payment of employee provident fund is not calculated according to provident fund loans, but has a payment base, generally based on individual pre-tax wages, and the payment ratio of units and individuals is the same (7% in Shanghai). For example, your pre-tax salary is 4000 yuan. According to the ratio of 7%, the company pays 280 yuan, you personally pay 280 yuan, and the person you pay into the personal provident fund account every month is 580 yuan.
3. If you buy a house with a provident fund loan, you can withdraw the balance in the provident fund account to repay the provident fund loan, usually twice a year (5438+00 in March, April, September and June). The withdrawn provident fund can be credited to the repayment card for monthly repayment (as you said, but the balance in the repayment card should be checked at any time), or the principal can be collected at one time. The procedures for withdrawing provident funds vary from place to place, but they are all similar.
I hope you are satisfied with my answer.