According to the Notice of Foshan Municipal People's Government Office on Further Strengthening the Regulation of the Real Estate Market issued on May 3, 20 17:

In Chancheng District, Guicheng Street in Nanhai District, dali town and Feishui, Daliang Street, Chencun Town, Beijiao Town and Lecong Town in Shunde District, the purchase restriction policy for commercial housing (including new commercial housing and second-hand commercial housing, the same below) will be implemented.

(1) If a household registered in this Municipality owns two or more houses in this Municipality, the sale of commodity houses in the above areas shall be suspended.

(two) non registered households in this city have no housing in this city. If you purchase commercial housing in the above areas, you need to provide the personal income tax payment certificate or social insurance payment certificate that you have paid in this city for more than 1 year within two years before the date of purchase. The paid personal income tax or social insurance payment voucher will not be recognized.

(3) Non-registered households in this Municipality own 1 houses and above, and the sale of commercial housing in the above areas is suspended.

(four) overseas institutions and individuals to buy houses, in strict accordance with the relevant policies of the state.

As can be seen from the above, Foshan registered households can buy up to two houses in Foshan's restricted purchase area. According to your situation, you can buy another set in the restricted area, and there is no restriction in the non-restricted area.

Foshan's current loan policy is as follows:

1. The purchaser's family name does not have a house in this city, and there is no housing loan record, and the policy of minimum down payment ratio for loans will continue to be implemented.

2. The purchaser's family name has no housing in this city, but there are housing loan records (including in other places), and the construction area of the re-purchased housing is less than144m2, and the down payment ratio of the loan is not less than 40%; The construction area of the re-purchased house is equal to or higher than144m2, and the down payment ratio of the loan is not less than 60%.

3. If the purchaser owns 1 house under the family name of this city, the construction area of the newly purchased house is less than1.44m2, and the down payment ratio of the loan is not less than 40%; The construction area of the re-purchased house is equal to or higher than144m2, and the down payment ratio of the loan is not less than 60%.

4. If the purchaser owns 2 or more properties in this city under the family name, or has 2 or more outstanding mortgage records (including off-site), loans are prohibited.

According to the conditions you mentioned, you have a house in your name in this city (I don't know if your spouse or your children have a house in this city, but there is no answer now. If there is, no more loans), which belongs to the above point 3: If the purchaser owns 1 house in the name of the family in this city, the construction area of the re-purchased house is less than144m2, and the down payment ratio of the loan is not less than 40%; The construction area of the re-purchased house is equal to or higher than144m2, and the down payment ratio of the loan is not less than 60%.

I hope the above answers can answer your questions. Please feel free to ask them if you have any questions. Wish you a happy life!