Provident fund loans need to be inquired by the Housing Authority. If it has been paid off, it means that there is at least one house. Refinancing means buying a second house. A down payment of 60% is required, and the interest rate will rise by 65,438+00%. The ratio of the balance of the provident fund to the loan amount is1:15.5 million. If you already have two houses, you cannot apply for provident fund loans.