No, we can do it separately. The current provident fund loan ratio is 1: 15. In other words, if you have 1 10,000 in your provident fund account, you can apply for a provident fund loan of10.5 million. If you have a housing loan of 200,000 yuan and a provident fund 1 10,000 yuan, you can apply for a provident fund loan of 6.5438+0.5 million yuan, and the remaining 50,000 yuan is a normal commercial loan.