No.

The amount of provident fund loan has nothing to do with the number of years of payment. If you want a provident fund housing loan, you must have paid continuously for one year (in some places, it is half a year) before you can apply.

The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.