Because commercial loans are loans but not houses, you have already paid off the loans, which means that there is no loan record in your personal credit report. Therefore, buying a house is the first suite, and the provident fund loan is to recognize the house but not the loan. If you have sold the only house in your name, prove that there is no house in your name. When buying a house with a provident fund loan, it was the first suite.
So, after you sell your apartment, you can make sure that there are no other properties in Beijing under your family name. Then buy a house, it belongs to the first suite. And you have a Beijing work residence permit, and the qualification for buying a house is the same as that of a family with a Beijing hukou.