The provident fund loan was frozen because one party failed to pay off the loan principal and interest. The housing accumulation fund is paid by the unit to the employees, and the employees of the unit also need to pay part of it. The unit needs to deduct a part from the housing provident fund paid by employees every month, and then deposit it into the personal account of the housing provident fund together with the part of the housing provident fund paid by the unit for employees.