According to what you said, if there is no formal unit, you can issue a bank flow certificate to prove that you can repay. First, mortgage loans need to provide information: the applicant and spouse's ID card, the original and photocopy of the household registration book (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required). Original purchase agreement. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. The developer's collection account number is 1.