Hello, your provident fund loan amount is 720 divided by 0. 12 equals 6000, 6000 MINUS 2646 equals 3354, and 3354 divided by 43.52 equals 77, which means that your first housing provident fund loan is 770,000 in 30 years, depending on the age of your house. Brick-concrete structure is 47 minus the building age, and steel-concrete structure is 57 minus the building age. I hope I can help you.