Yes, if you already have a provident fund loan, you cannot make another provident fund loan, but as long as you have sufficient repayment ability, you can make a commercial loan.

According to the "Notice on Issues Concerning Personal Housing Loan Policies" issued by the People's Bank of China, the China Banking Regulatory Commission, and the Ministry of Housing and Urban-Rural Development, for households that own one house and have outstanding home purchase loans, in order to improve Residence conditions: If you apply for a commercial personal housing loan again to purchase an ordinary home, the minimum down payment ratio will be adjusted to no less than 40. The specific down payment ratio and interest rate level will be reasonably determined by the banking financial institution based on the borrower's credit status and repayment ability. .

When applying for a provident fund loan, you should meet the following basic conditions:

Have full capacity for civil conduct (over 18 years old);

The unit where you work normally pays for housing. Employees who have provided provident fund for more than one year (inclusive) must make regular contributions to housing provident fund for more than six months (inclusive), and the monthly payment and deposit amount of housing provident fund reaches the minimum monthly payment and deposit amount announced by the management committee;

Employees can apply for home purchase loans within five years (inclusive) from the date of purchase, construction, renovation, or overhaul of their own homes;

If employees apply for loans for the first and second time, they need to pay the purchase price A down payment of RMB 20 (inclusive) or more;

Have stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.