Yes, that's right. If there is a loan, it depends on the specific situation. If the previous loan was a housing loan, then buying a house is considered as a second purchase, and the down payment ratio needs to be increased to 40%, but the applicable interest rate of the provident fund will not rise. If it is another loan, then when buying a house loan, it depends on your flow. The flow needs to cover the monthly repayment amount of the previous loan, not just the monthly repayment amount of the provident fund housing loan ~