Only the interest rate payable on the loan taken has been changed. Everything else remains the same. Also, remember that in case a loan is taken then the account does not earn any interest until the repayment of the loan is done in full.
Using over three lakhs from his provident fund after his retirement and taking some financial help (as part of shramdaan) from villages in the vicinity, Santu built a 70-feet long, strong permanent bridge.