The solution to the problem of excessive loans is to consult the provident fund management department and communicate with the lenders.

1. Consult the provident fund management department. If you find that there is something wrong with your provident fund loan, you can consult the local provident fund management department to understand your rights and interests and ways to safeguard rights.

2. Communication with the lender: You can communicate with the lender of the provident fund and ask him to return the excess loan or re-sign a real contract.