Q: To his Eminence Mufty of the Kingdom of Saudi Arabia, the Chairman of (Part No. 23; Page No. 438) the Departments of Scholarly Research and Ifta', and the Chairman of the Council of Senior Scholars, may Allah protect him. As-salamu `alaykum warahmatullah wabarakatuh (May Allah's Peace, Mercy, and Blessings be upon you!) We submit to your Eminence this question that was sent to us by one of the officers of our department. The question is that a man used to have two family records, and by one of them he obtained a loan from the Real Estate Development Fund, bought a piece of land, and built a house on it. A decree was then issued by the ruler that people who have two family records have to deliver one of them to the government. Thus, the concerned person delivered the family record by which he received the loan then he applied for another loan by the other family record he had and he is now entitled to receive another loan. The question is whether it is permissible for him to receive this second loan even though a person is not entitled to receive more than one loan according to the regulations of the Real Estate Development Fund. It may be worth mentioning that the person in question is in bad need of this second loan as his income is very low and he has a big family and that he repaid the first loan in full. Please provide us with your beneficial answer. May Allah keep and safeguard you. Peace be upon you.