1. If the provident fund loan has not been paid off, it is ok to borrow it again. If the provident fund loan is not paid off, you can continue to use commercial loans to buy a house, but you cannot use housing provident fund loans to buy a house. Applicants can apply for commercial loans to buy housing, but they can't apply for provident fund housing loans before they pay off the provident fund loans.

2. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Second, the provident fund loan conditions?

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;

2, continuous normal deposit of housing provident fund for more than twelve months;

3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;

4. Personal credit is good, with stable economic income and the ability to repay the loan principal and interest.