Hi everyone I'm seeking for your thoughts on this situation.

So basically I've just bought a light industrial shop lot last year mainly for investment purpose as the rental income is good. However I'm quite concerned of whether am I still eligible for the 90% Loan for 1st and 2nd property. This is because this shop lot is my first property and I am told the 90% loan is eligible for 1st and 2nd property only. However, the loan I took was only 80% as the banker told that I'm too young to own a shop lot as my 1st property despite my DSR shows otherwise. The banker who handled my loan told me that I would be eligible for the 90% loan in the future if I were to purchase my 1st and 2nd house because the shop lot that I purchased is not for residential purpose. So I'm not quite sure whether is it true and I'm wondering if someone could help me to figure this issue out?
Can someone confirm on whether my quota for 90% loan has been used up for the 1st property or I am still be able to use it on house purchases in the future?

Ah I get the picture now. Thanks a lot for clarifying it up for me really appreciate it!