If the personal first suite is a provident fund loan, you can't use the provident fund loan to buy a house until the provident fund loan is paid off, but if you use a bank loan, you can borrow to buy a second suite.

The minimum down payment for personal mortgage purchase of the second suite is 40%, and the benchmark interest rate of the loan interest rate rises 10%. The remaining loan amount of the first suite will affect the maximum loan amount of the second suite, which is related to personal income ability.