There are provident fund loans and commercial loans. Having a provident fund loan does not affect the handling of commercial loans, as long as the lender can meet the conditions for handling loans. Such as pre-loan demand, credit information, income level, etc. After meeting these conditions, you can apply for a loan normally. If you buy a house, considering that you have already applied for a provident fund loan, the second suite will implement a commercial loan. Housing provident fund loans are targeted at employees who pay housing provident fund. Only by paying the provident fund can you choose the housing provident fund loan. Commercial loans are personal housing loans for everyone. As long as they meet the loan conditions of banks, they can generally succeed. Provident fund loans can only be used when buying houses with 70-year property rights, and other types of houses such as commercial houses cannot apply for provident fund loans. The types of houses that can be purchased by commercial loans are relatively loose, except houses and apartments. So before buying a house with a loan, you must know what kind of house you are buying.