Legal analysis: 1, Guiyang local one-year tax payment certificate or social security payment certificate, local income certificate (two to three times the monthly payment) and others like ID card, marriage certificate and household registration book. 2. A natural person who has reached the age of 18 and has full capacity for civil conduct; When the loan is due, it shall not exceed 60 for men and 55 for women; Have a stable and legal occupation and income source, and have the ability to repay the principal and interest. Information required for individual purchase: household registration book, ID card and photocopy of the borrower and his wife. The purchase contract or agreement signed with the sales unit. Proof and copy of the borrower's down payment deposit. Personal housing loan application form (format provided by the bank).

Legal basis: Article 8 of People's Republic of China (PRC) Urban Real Estate Management Law refers to the act that the state transfers the state-owned land use right (hereinafter referred to as land use right) to land users within a certain period of time, and the land users pay the land use right transfer fee to the state.