First, the second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses will be regarded as second suites if they apply for mortgage again. According to the current relevant regulations, as long as the applicants for individual housing provident fund loans have no housing loan business in various commercial banks and provident fund centers and meet other housing provident fund loan conditions, they can get corresponding approval.

Second, as long as the buyers do not owe the bank mortgage (whether it is a commercial loan or a provident fund loan), they can use the provident fund loan to buy a second suite. If your first home loan has not been settled, you will not be able to use the provident fund loan.