If you buy a house with a provident fund loan, you cannot buy a house with a commercial loan.

1. A person can only borrow twice. The first time is provident fund and the second time is commercial loan. They cannot be used at the same time.

2. The interest rate for provident fund loans for 1-5 years is 4.59%, and the interest rate for 6-30 years is 5.04%. The maximum provident fund loan will be adjusted from 400,000 to 600,000 on July 1 this year. The maximum loan term is 30 years.