Legal analysis: provident fund loans can be used for the third suite with no more than 1 time, and provident fund loans can only be loaned at the same time 1 time. If one of the husband and wife has applied for a housing provident fund loan, neither husband nor wife may obtain a housing provident fund loan until the principal and interest of the loan are paid off.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.