You can't. Provident funds can only be loaned after commercial loans are paid off. Housing provident fund loan process: the lender needs to submit a written application to the bank to apply for housing provident fund loans; For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time; The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner; The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center.

Legal objectivity:

Article 26 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund can apply for housing provident fund loans to the housing provident fund management center for the purchase, construction, renovation and overhaul of their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.