Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Proof of income;

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

Housing sales contracts or agreements that comply with the law.

The second is the conditions for handling housing provident fund;

Individuals and their units must continue to pay housing provident fund for one year;

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

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.