Housing provident fund loans have no requirements for housing area, only for the down payment ratio of loans. If the housing provident fund loan is used for the first time to purchase self-occupied housing, and the housing construction area is below 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%.

If the housing construction area is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.

The second use of housing provident fund loans is limited to the purchase of self-occupied housing with a construction area of 144 square meters (inclusive), and the down payment ratio of loans shall not be less than 50%.

The loan interest rate is 1 and 1 times of the loan interest rate for the first use of housing provident fund in the same period.