Household register of the borrower and his spouse;

resident identity cards of the borrower and his spouse;

proof of the borrower's marital status;

proof of down payment for house purchase;

the credit status report of the borrower and his spouse printed by the bank;

a house sales contract or agreement that complies with the law.

2. Conditions for handling housing accumulation fund;

individuals and their units must continuously pay the housing accumulation fund for one year;

the borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

if the borrower purchases a commercial house, it must be at least 3% of the total house price.

III. Handling process of housing accumulation fund:

The lender prepares relevant materials, fills in the loan application at the bank and submits the materials;

after receiving the application, the loan bank will confirm and review the information;

after the audit, the lending bank contacts the lender and signs relevant contracts;

when a bank lends money, the lender performs the repayment obligation.