1. If you need a loan to buy a second suite, it is a second suite.

2. If you don't need a loan, no one will take care of you!

3. If you apply for a provident fund loan, it will not be affected. About the identification standard of the second suite: before last year, only the method of "whether there is a loan" was adopted. If your old house didn't have a loan, buying a new house and applying for a loan now is not a second suite. But now it has become a "real estate registration". No matter whether your first suite has a loan or not, as long as you can find a property in your name (or once had it) in the property rights transaction system, you will also be identified as a second suite if you apply for a new house commercial loan. But at present, there is no provision for provident fund loans to check real estate, so applying for provident fund loans is not affected by your previous real estate. Suggestions are as follows: it should be more difficult to buy at one time. You can apply for provident fund loans, and both husband and wife can apply together. According to the amount of provident fund loan in Shenzhen, the maximum loan can be 70%.