Whether it is suitable depends on your own needs. Do you want to repay it in advance? If you want to repay it in advance, you can borrow an equal amount of principal. If you don't plan to repay it in advance, you can borrow an equal amount of principal and interest. The current provident fund loan interest rate is quite suitable. And judging from inflation, since you have borrowed money, you should lend it for more years. Loan for 20 years. This way your provident fund will be enough to repay, so you don’t have to worry about it at all.