First, individuals buying the first suite is a commercial loan, and the second suite can use the housing provident fund loan. 2. The following conditions must be met when using housing provident fund loans: 1, and there are no outstanding loans in the provident fund; 2. The continuous deposit period of provident fund meets the minimum requirements of local provident fund loans. Third, the second suite refers to the borrower's family (including the borrower himself, spouse and minor children) as a unit, and the per capita housing area of the borrower's family is higher than the local average level, and once again apply for housing loans from commercial banks. Fourth, the new second-home standard takes the family as the unit, recognizing both the house and the loan. In addition, people from different places must provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year or more, otherwise it will be calculated as the second home loan.