Detailed reasons:

According to the relevant provisions of provident fund loans, the identification standard of the second and above housing provident fund loans is to query the borrower's personal housing provident fund loan records in the housing provident fund information system, and the commercial loan records are not queried for the time being.

Specifically: when applying for housing provident fund personal housing loan, the loan applicant has no record of housing provident fund personal housing loan and belongs to the first home loan; When applying for the housing provident fund loan, if the loan applicant already has a 1 housing provident fund loan, it belongs to the second home loan; When applying for the use of housing provident fund loans, if there are 2 or more housing provident fund loan application records among the loan applicants, it shall be regarded as the third and above housing provident fund loans;

Apply for housing provident fund loans should also meet the following four basic conditions:

The borrower has paid the housing provident fund in full and on time for more than six months before the month of application;

The down payment for house purchase shall not be less than the prescribed proportion;

Being able to implement loan guarantee;

The borrower, spouse and other property owners have no housing provident fund loan debt and their personal credit status is good.

Note: loan applicants (including both loan applicants) must meet the loan conditions).