1. Give full play to the role of housing provident funds

If you have friends who purchase provident funds, you can use your housing provident funds flexibly. As we all know, the interest rates on provident fund loans are very low and very considerable. The role of the housing provident fund is not limited to loan purchases. If you do not need to apply for a mortgage loan temporarily, applying for a credit loan can also play an important role. Compared with personal consumption loans that are also unsecured and unsecured and rely on credit history, salary flow, and assessed credit limit, friends who have paid housing provident funds can apply for provident fund credit loans instead. With the same income, there is no doubt that the provident fund credit loan limit will be higher and the corresponding loan interest rate will be lower.

Why is this so? The reason is that those who normally contribute to the provident fund in the form of provident fund credit are either civil servants, employees of public institutions, or employees of listed companies or regular companies. Banks can better evaluate the income level and stability of applicants. These people are high-quality customers of the bank and can naturally obtain lower interest rates.

2. Choose the right loan product

Loan products of various banks are diverse. Whether they are mortgage loans or credit loans, there are many distinctions. For example, ordinary loans are divided into consumer loans. Loans, operating loans and fixed asset loans. Consumer loans are further subdivided into personal housing loans, personal automobile consumption loans and student loans. Student loans are also divided into national student loans and general commercial student loans.

From the perspective of loan products, it is very important to choose the appropriate loan product. "Shop around" and then choose the loan product that best matches you based on your own strengths and weaknesses. Only in this way can you maximize your own advantages, prepare corresponding information according to your personal qualifications and bank loan requirements, and do "shopping around" and "know yourself and the enemy" to get a worry-free loan.

3. Provide complete application materials

Although when applying for a credit loan, you generally only need to provide salary statements, work certificates, identity certificates and other materials. However, if the applicant can provide more complete application materials, such as provident fund payment certificate, financial certificate, real estate certificate, etc., although it is not necessary to apply for a mortgage loan, it can prove that you have sufficient repayment ability and are of high quality. of customers. Not only can it increase the approval rate, but it can also be of great help in increasing the loan limit, and there is also a great opportunity to enjoy preferential interest rates.