You can apply for provident fund loans if you have a house under your name, but you must have only one suite, and this suite is not using provident fund loans. Provident fund loans can be used for the first and second suites, but not for more than three suites, and only one suite provident fund loan can be used at a time. Therefore, if you want to use a provident fund loan for a house under your name, you must ensure that you have bought a second suite and have not returned the first provident fund loan.