Hello, I'm a financial specialist in a financial department in Wuhan. Wuhan housing loans are limited to three sets, that is, you can borrow twice, but not for the third time. According to what you said, your husband and wife and your lover have only used the provident fund once, so now you can use the provident fund loan as long as the balance is more than half a year, the account opening time is more than half a year, and the settlement time is more than half a year. The second set of provident fund loans is 50% down payment, 50% loan, and the interest rate rises 10%. The second set of commercial loans is six down payments and four loans, and the interest rate rises 10%. I hope my answer is helpful to you.