Only when there is a certain balance in the provident fund account can you apply for a provident fund loan. If there is no balance in the provident fund account, you cannot apply for a provident fund loan. The amount of provident fund loans is related to the balance in the provident fund account. The more the balance, the higher the loanable amount. Commercial loans are loans provided by banks or their financial institutions and have nothing to do with provident fund accounts. You can consult with banks or their financial institutions to apply for commercial loans according to your own conditions.