Of course you can avoid taxes. It depends on the down payment. You can’t avoid too much tax. The provident fund loan amount is calculated based on the tax price (actually it is the lowest of the house price, the appraisal price and the tax price), and the tax payment is determined by the tax price. Therefore, tax can be avoided only by making a large down payment. Tax avoidance is better than commercial loans. Be low. The commercial loan limit is calculated based on the appraised value and is not affected by the tax price, so the tax price can be as low as possible.