Legal analysis: No, the provident fund management center only recognizes housing but not loans. The provident fund management center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans. If the buyer applies for a pure provident fund loan, then as long as there is no room under the current name and the previously applied provident fund loan has been paid off, no matter how many times the previous provident fund loan has been applied, buying a house can still be regarded as the "first suite". Therefore, if the first home loan has not been paid off, you can't continue to use the provident fund loan when you buy a second home.

Legal basis: Notice on Adjusting the Acceptance Criteria of Housing Provident Fund Loan Business

Article 1 Stop accepting applications for housing provident fund loans for "buying second-hand houses in full".

Article 2 To apply for converting a commercial housing loan into a housing provident fund loan, the loan applicant shall meet the conditions of "continuous full deposit of housing provident fund 12 months or more in this city".