According to Article 6 of the Measures for the Administration of Individual Housing Loans, the borrower shall provide the following information to the lender:
I. Identity documents (referring to valid residence certificates such as resident identity cards and household registration books);
2. Proof of the stable income of the borrower's family;
Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;
4. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; Guarantor agrees to provide written guarantee documents and guarantor's credit certificate;
Five, to apply for housing provident fund loans, the need to hold a certificate issued by the housing provident fund management department;
6. Other documents or materials required by the lender.
Extended data
Housing loans mainly include the following types:
1. Housing provident fund loans: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks).
2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans.
Baidu Encyclopedia-Measures for the Administration of Personal Housing Loan