1, the first time: when applying for housing provident fund personal housing loan, the loan applicant did not have any housing provident fund personal housing loan record, which was the first home loan.

2. Second time: when applying for housing provident fund loan, the loan applicant only has 1 housing provident fund loan, which belongs to the second home loan.

3. When applying for housing provident fund loans, if the loan applicant has two or more housing provident fund loan application records, it cannot be handled.

4. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that 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.