Legal analysis: usually, you can apply for a commercial loan or a provident fund loan to buy the first suite. If it is a commercial loan to buy the first suite, the borrower can bring relevant application materials to the business outlets of the loan bank to apply for a loan. If it is a provident fund loan, the borrower can prepare the application materials and apply for a loan at the local housing provident fund management center.

Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.