1. Apply for a commercial loan at the same time as applying for a housing provident fund loan, that is, apply for a portfolio loan, and use the commercial loan amount to supplement the insufficient part;

2. Try to increase the down payment of the house to reduce the loan amount;

3. You can find a spouse, parents and other immediate family members who have also paid the housing provident fund to apply for a provident fund loan;

4. Give up the provident fund loan directly and apply for a commercial loan instead, and then the balance of the provident fund account can be used to offset the mortgage.

The use of provident fund needs to meet the following conditions:

1. Employees who purchase houses by themselves need to have a contract or agreement signed at the time of purchase;

2, apply for the purchase of owner-occupied housing workers need to have the approval of the administrative department of land construction and other documents;

3, renovation or overhaul from the housing, planning and management departments need approval documents;

4. For retired employees, retirement certificates are required;

5, for the loss or complete loss of labor ability, and termination of labor relations with the unit, it is necessary to have a complete loss of labor ability identification certificate, proof of termination of labor relations;

Provident fund generally refers to housing provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.