Of course. If the provident fund loan is not paid off, you can continue to use commercial loans to buy houses, but you can't use housing provident fund loans to buy houses. Article 4 The object of bank loans is a natural person with full capacity for civil conduct and meets the following conditions: 1. Have permanent residence in cities and towns or valid residence status; Two, with a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, in commercial banks and housing savings banks to open a savings account or deposit housing provident fund, the deposit balance of the amount required for the purchase of housing shall not be less than 30%, and as a down payment for the purchase; Five, there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensation ability as guarantors to repay the loan principal and interest and bear joint and several liabilities; 6. Other conditions stipulated by the lending bank.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.