The housing maintenance fund has nothing to do with provident fund loans.

As long as you buy a new house, you usually have to pay the housing maintenance fund, regardless of whether you pay the full amount, commercial loans or provident fund loans, so the housing maintenance fund has nothing to do with provident fund loans. Definition of housing maintenance fund:

Housing maintenance fund actually includes housing public facilities special fund and housing maintenance fund. The special fund for housing public facilities is referred to as the special fund, which is used for projects such as the renewal and transformation of the parts used by the property, public facilities and equipment, and shall not be used for other purposes. The special fund implements the principle of "money goes with the house". When the house is transferred, the remaining funds in the account are also transferred to the new property owner of the house.