First, the definition of the second suite is based on the borrower's family (including the borrower, spouse and minor children). If a family has used provident fund loans or commercial loans to buy a house and applies for a mortgage again, it is regarded as a second suite. According to the current relevant regulations, individual housing provident fund loan applicants can obtain corresponding approval as long as they have no housing loan business in commercial banks and provident fund centers and meet other housing provident fund loan conditions.

2. As long as buyers don't owe bank loans (whether commercial loans or provident fund loans), they can buy two suites with provident fund loans. If your first home loan is not settled, you cannot use the provident fund loan.