No, the buyer can still use the housing provident fund after paying off the first housing provident fund loan, and it can be found out. This includes the following situations:

1. After paying off the provident fund loan for the first house, you can apply for the provident fund loan for the second house. The calculation method and handling process of the specific provident fund loan are the same as buying the first house to handle the provident fund loan.

2. After paying off the first set of housing provident fund loans, if the second set of housing provident fund loans is not applied for, the property owner can apply for the withdrawal of housing provident fund within 6 months from the date of issuance of the property right certificate based on the property right certificate, purchase contract and purchase invoice of the second set of housing.

3. After paying off the first housing provident fund loan, the borrower can withdraw the balance of housing provident fund to repay the loan after purchasing the second housing and applying for provident fund loan.

The first set of housing provident fund loans have not been paid off, and commercial loans can only be chosen to buy second and above houses. At this time, if you buy a second suite with a loan, you have to implement the New Deal. If the first set of housing chooses provident fund loans, and the second set wants to choose provident fund loans, it is necessary to pay off the provident fund loans of the first suite before applying. After paying off, applying for provident fund is not restricted by the new policy of "the second suite needs to raise the down payment and interest rate".