1. Reduce your debt. When applying for provident fund loans, it is best not to have liabilities, because liabilities will reduce the amount of provident fund loans.

2. Provident funds shall not be withdrawn. The loan amount of provident fund is mainly calculated according to the balance of provident fund. The more the balance, the higher the loan amount.

3. Keep a steady job. If the loan applicant has a stable job and a stable income, the bank will generally give a higher amount.

4. Maintain good credit. Credit is very important for loans. Before applying for provident fund loans, my spouse and I should have no bad records such as overdue credit information.

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. It has the characteristics of security, mutual assistance and long-term. Mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.

1. Personal housing provident fund loan: it is a preferential loan granted by the housing provident fund management center to the depositors of housing provident fund who purchase, build, renovate or overhaul their own houses and use the housing provident fund to raise funds for cooperative housing construction.

2. Personal housing provident fund portfolio loan: When the amount of housing provident fund loan is insufficient to pay the purchase price, the borrower applies for housing provident fund loan and commercial personal housing loan from the entrusted bank. The two parts of the loan are isomorphic into a combined loan. In portfolio loans, housing provident fund loans are approved by the management center, and commercial loans are approved by the entrusted banks.

3. The real estate developer shall sign a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank. Real estate developers should provide phased guarantees to borrowers and deposit a deposit according to a certain proportion of the total loan amount. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and turned into mortgage guarantee for the purchased house. The borrower submits a loan application to the management center. After approval, the entrusting bank shall sign a loan contract with the borrower and go through the formalities for the use of funds.

4. Individual housing provident fund replacement portfolio loan: the bank first issues commercial housing loans to borrowers (employees who pay housing provident fund) with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers. The borrower's provident fund loan amount shall be controlled within its basic provident fund loan amount, and shall not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period 1 year or more.