2. You can buy a second house with mortgage loan without paying it off, and the interest rate is also 1. 1 times, but the balance of provident fund takes precedence over the house with provident fund loan.
In any case, the balance of the provident fund cannot be used as the down payment of the house.
You can choose method one, pay off the loan with the balance of the provident fund, and then apply for the second housing loan of the provident fund. Because the interest rate of provident fund is lower than that of bank mortgage even if it rises.