First, become a bank VIP.
In fact, this is also a disguised form to please the mortgage bank, and some friends have tried it, and the effect is not bad. With the continuous improvement of economic conditions, consumers now have higher and higher requirements for the service industry. For this reason, many service industries have launched VIP services. As long as you become a VIP customer, you can enjoy imperial treatment, and so can the banking industry.
Generally speaking, if you want to apply for a mortgage in this bank, you can become a VIP of this bank. After becoming a VIP customer of the bank, you can not only handle business without queuing, but also improve your loan success rate and increase your loan quota. Therefore, in order to obtain the highest mortgage amount, buyers may wish to become VIP customers of the bank first.
Second, the down payment ratio is low.
When buying a house with a loan, everyone wants to apply for more mortgages, so they don't have to pay so much down payment. However, generally speaking, mortgage amount = total house purchase-down payment, that is to say, the lower the down payment ratio, the higher your mortgage amount. Therefore, in order to make the mortgage amount higher, you may wish to reduce the down payment ratio.
Three, the housing provident fund deposit time is long enough.
Generally speaking, there are many ways to buy a house now, and the most popular one is the provident fund loan. After all, using provident fund loans can reduce mortgage interest. However, with the continuous adjustment of the provident fund loan policy, the amount of provident fund loans is now directly linked to the time of deposit. If your provident fund deposit time is short, then your mortgage amount will naturally be lower.
Fourth, personal credit is good.
No matter what kind of mortgage you apply for, you need to provide your own personal credit information when you apply for a mortgage. Generally speaking, good personal credit can not only get a mortgage loan quickly, but also increase the loan amount. If you keep a good personal credit record, it will be easier for you to apply for a mortgage loan and the loan amount will be higher.
Verb (abbreviation for verb) provides proof of assets.
When applying for a mortgage, banks often pay the most attention to the personal income of the lender. Generally speaking, if your repayment ability is weak, your loan amount will not be too high, because your repayment ability is too weak, which means that you may not be able to repay on time. If you can provide some assets to prove that you have strong repayment ability, the bank will increase your mortgage amount.