与个人商业贷款相比，下列不属于住房公积金贷款具有的特点的是（）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='24742' and id < 2118946 and id<>'2118946' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='24742' and id > 2118946 and id<>'2118946' order by id asc limit 5