; ? First of all, we should know that there are two main factors affecting the loan amount, one is the monthly deposit amount, and the other is the balance of the provident fund account. Therefore, there is only one thing we have to do, and that is to pay more. There are also ways to pay more. There are two payment methods, one is the general method of equal payment between companies and individuals, and the other is the surprise payment in which companies pay so much and individuals pay a lot. The purpose of this method is to increase the balance of your own provident fund, which is also one of the influencing factors mentioned above. Of course, you can also try to apply for raising the maximum amount that companies and individuals usually pay each month. From July to September every year, if conditions permit, you can apply for adjusting the payment amount, so that you can pay more. However, it should be noted that after adjustment once, it cannot be adjusted again in the next year.

In addition, besides individuals, families can also be changed. Many places have regulations when applying for provident fund loans, and the maximum amount of individuals and couples is different when applying. For example, in Shanghai, the maximum amount for an individual to apply for a provident fund loan is 600,000 yuan, and both husband and wife can apply, but it can reach 6.5438+0.2 million yuan. Therefore, it is also a good idea to use family members.