1. Those who meet the loan conditions can be converted into spouse provident fund loans. I suggest you check the conditions, application materials, handling procedures and so on on the website-Business Guide-Housing Provident Fund Loan-Transfer to Provident Fund Loan.

2. If you meet the loan conditions with your lover, you can apply for a provident fund loan at the same time, but for the second home loan, the down payment is at least 60% and the interest rate is 10%. You can try the loan amount through the "individual user login" on the website. If you meet the loan conditions with your lover, you can apply for a provident fund loan, but it belongs to the second home loan, with a down payment of at least 60% and an interest rate of 10%. You can try the loan amount through the "individual user login" on the website.