When using the provident fund loan to buy a second suite, it is required to provide the existing housing area and the number of permanent residents in the family ... It is not allowed to buy a second suite with the provident fund loan. According to the national policy, if the per capita housing area does not exceed 28.8 1 m2, the purchaser has the right to use the provident fund loan to purchase the second suite. The per capita housing area of Mr. Zhang's original property is 33.33 square meters, which has exceeded the per capita housing area stipulated by the policy of 28.8 1 square meter.

If the purchaser already has a property at hand, and the per capita housing area exceeds the national population of 28.8 1 m2, the best way is to sell the property at hand and then use the provident fund loan to buy a house. Because the favorable policy of the provident fund is to "recognize the house but not the loan", no matter whether there is a loan record under the name of the purchaser, as long as the loan is sold again, it can be implemented in accordance with the first home loan policy. On the other hand, if the per capita living area of the existing property on hand is less than 28.8 1 square meter, then it is allowed by the state to use the provident fund loan to purchase the second suite.