It will still be implemented in accordance with the provident fund loan. Because using the provident fund to buy a house, it is not required to write it in the name of an individual. As long as the monthly payment is paid in full and on time, the interest rate of the provident fund loan is still implemented. Couples can use their spouse's provident fund to buy a house. Even if their spouses' names are not registered, they will still make loans according to the provident fund until the mortgage is paid off.