Generally speaking, the lending bank decides the credit line to the lender according to the personal income of the lender. As we all know, high income means high monthly supply of housing provident fund. This means that the balance of its provident fund account will be more, so it is easier to obtain high loans. Therefore, it is best for buyers to strive to increase their personal income.

Second, personal credit is good.

Today's society pays more and more attention to personal credit, whether online shopping or daily travel, so it can be said that credit is an era of wealth. The importance of personal credit information can best be reflected in the loan to buy a house. Good personal credit information is undoubtedly a huge intangible asset, and the provident fund management center will also determine the loan amount according to the credit rating.

Third, don't move the provident fund unless there are special circumstances.

Although literally, the housing provident fund seems to be a kind of welfare specifically for housing, in fact, the role of the housing provident fund can be reflected not only in buying a house, but also in renting a house, treating diseases, decorating and so on. However, although the use of provident fund has been expanded, if you plan to buy a house, it is better not to move the provident fund. Especially when you want to get a higher loan amount, you should know that the amount of provident fund loans is directly linked to the account balance, so don't ignore this when applying for provident fund loans.

Fourth, buy a suite.

The housing provident fund is very friendly to people who buy the first suite. After all, housing provident fund, as a welfare policy, was originally intended for people who just needed it. Therefore, buying the first suite can naturally get a high loan.

5. Husband and wife * * * have loans.

This is also a very popular way to buy a house now. After all, the pressure of buying a house alone is also great. In short, if both husband and wife pay the housing provident fund, they can choose to borrow together, so that they can get higher loans and reduce the pressure brought by mortgage.