Shāngyè dàikuǎn de lìlǜ bǐ gōngjījīn dàikuǎn gāo yìxiē.
Commercial mortgages have somewhat higher rates than provident-fund mortgages.
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Chinese homebuyers usually choose between 商业贷款 (commercial bank mortgage) and 公积金贷款 (loan from the housing provident fund - lower rate but capped). Many take a 组合贷 (combo of both). Slang for paying it off monthly: 还房贷.
