At present, in Beijing's policy, the standard for determining commercial loans is "recognizing housing and recognizing loans". The so-called recognition of housing refers to the residential property in Beijing under your family name, and the so-called recognition of loans refers to the records of settled housing loans and outstanding housing loans under your family name nationwide.

If your family has no residential property in Beijing, and there are no housing loan records or outstanding housing loans nationwide, your purchase in Beijing will be counted as the first set.

The provident fund loan is to look at the residential property in Beijing under your name. If there is no room in Beijing, it is the first set. If there are outstanding provident fund loans or discount loans nationwide, they must be settled before they can be used again.