Loan period for renovation of provident fund: 10-20 years. There are two situations under the provident fund withdrawal policy. 1, influential. That is, if you have a house, you will withdraw the provident fund, and then you will become a second suite if you buy a house. According to the current policy, the second suite cannot apply for provident fund loans. Specifically, you pay in full or use other loans to buy real estate, and then apply for provident fund repayment or house decoration.