Legal analysis: according to the relevant laws of our country, buying a house by mortgage loan requires both husband and wife's ID card, household registration book or temporary residence permit and foreigner's household registration book; If you are married, you need to provide a marriage certificate. Divorce requires a divorce certificate or a court verdict and a single certificate. Then you need a proof of income, which needs to be in the format specified by the bank. Article 11 of the Interim Measures for the Administration of Personal Loans: To apply for personal loans, the following conditions shall be met: the borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

1. The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

2. The purpose of the loan is clear and legal;

3. The loan application amount, term and currency are reasonable;

4. The borrower has the willingness and ability to repay;

5. The borrower's credit status is good and there is no significant bad credit record;

6. Other conditions required by the lender.