If you are a native of Hangzhou, the policy is to allow you to buy a second suite as a family. If you are a foreigner and don't have a Hangzhou hukou, the current purchase restriction policy is that foreign hukou can only buy 1 suite at most. The following is the down payment ratio of provident fund loans for local accounts 1-3 suites for your reference:

The second set of housing provident fund loan policy shall be implemented for the purchase of ordinary self-occupied housing, with the down payment ratio of not less than 60%, and the interest rate of provident fund loan shall be implemented according to the benchmark interest rate of housing provident fund loan in the same period 1. 1 times. The following situations belong to the second suite:

1, there is no house under the employee's family name, and the housing loan record has been settled;

2. The employee's family already owns a set of housing, and there is no housing loan record or the housing loan record has been settled;

3. The employee's family already owns a house, and the house has an outstanding commercial housing loan record. You can use the provident fund loan to buy a second home in Hangzhou, provided that the loan record under your name has been settled, the down payment of the second home loan is not less than 60%, and the loan interest rate rises 10%.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!