In fact, there is no necessary connection between the use of provident fund loans and existing houses. As long as the developer gets the pre-sale certificate of the house, the house can be sold to the outside world, and the down payment is paid, and the developer will ask for a loan. Now the policy requires developers to apply for pre-sale certificates after capping. However, this rule is flexible in some places. For example, in my area, it is possible to pre-sell more than ten floors. As for whether the house can be loaned after it is capped, it depends on the sales progress and flexibility of the developer. And provident fund loans.