Can't borrow, because commercial loans take up the repayment ability. If you want to improve the house type, you must pay off the business loan. Only in this way can we use the provident fund to refinance, and the second home loan of the provident fund is down payment of 60%; Loan interest rate rises 10%.

Under normal circumstances, commercial loans and provident fund loans can only choose one. Using provident fund loans to decorate houses may not be approved by banks.

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. 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.