1. If the first suite uses the provident fund loan and it has not been paid off, you cannot apply for the provident fund loan to buy the second suite;

2. If the first suite uses the provident fund loan and has been paid off, you can apply for the provident fund loan to buy the second suite, and the down payment ratio should be in accordance with the second suite standard;

3. If the first suite uses a commercial loan, whether it is paid off or not, you can apply for a provident fund loan to buy the second suite, and the down payment ratio should be in accordance with the second suite standard.

Conditions for using the provident fund:

1. The applicant and spouse are registered residents in this city or non-registered residents with valid residence permits in this city;

2. The applicant and his/her spouse have stable jobs and incomes in this city, and have the ability to repay the loan principal and interest on schedule;

3. The applicant and his/her spouse have no self-owned housing or only one set of self-owned housing in this city, and the first home loan has been settled or the first home has been purchased in full;

4. The applicant and spouse have continuously or cumulatively paid the housing accumulation fund for a certain period.

to sum up, you can use the provident fund loan to buy the second suite, but you can't apply if the first suite has not paid off the provident fund loan; If the provident fund loan for the first suite has been paid off or commercial loans have been used, you can apply for provident fund loans regardless of whether it has been paid off, but you must meet the down payment ratio requirements for the second suite.

Legal basis:

Regulation on the Management of Housing Provident Fund

Article 26

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, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the 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.