If you want to buy this commercial house now, and your lover's provident fund is not enough, you can combine loans. The remaining mortgage procedures are the same as the normal provident fund. But at present, the better banking policy is to make a down payment of 40%, but the interest rate remains unchanged at 3.87, because your current house will be considered as a second home loan, and if you make a mortgage, it will also be considered as a second home loan. The down payment of 40% interest rate may take the benchmark of 5.94. I think it is the most appropriate policy to implement the first home loan with reference to the improved housing conditions, or to use your lover's provident fund as a portfolio loan if it is not enough.