When do you draw loose tiles in Chinese Mahjong?
From Tom Sloper's rules, there are no loose tiles:


After breaking the wall, each player takes 2 stacks (4 tiles) at a time until everyone has 12 tiles, then:
East takes one tile from the first and third stacks, and the following three players take one tile each in order.


This leaves East with 14 tiles and they discard to start the game.

Here's another set of rules that describes the same procedure but also has a different ending (East simply takes 2 tiles in a stack at the end).