The following documents are required for the first-hand housing loan:

1. The borrower and his/her spouse have ID cards.

Two, the borrower and his spouse, * * * someone's household registration book (household registration book home page and my page);

Third, the marriage certificate:

1, married: marriage certificate;

2. Unmarried: unmarried certificate (issued by the Civil Affairs Bureau);

3. Divorce: divorce certificate and non-remarriage certificate (issued by the Civil Affairs Bureau);

4. Widowed: death certificate and non-remarriage certificate (issued by the Civil Affairs Bureau);

5. proof of income: proof materials, including;

(1) Borrower whose work unit is a state-owned enterprise or institution: provide the bank card account statement of salary payment in the last six months, or the running of salary passbook;

(2) Business license, organization code certificate, tax registration certificate, tax bill for the last three months, financial report, bank card statement or passbook flow, shareholding certificate, etc. ;

(3) Borrowers whose work units are private enterprises: payroll, bank card statement or passbook for the past six months, personal assets certificate, etc.

4. The down payment invoice issued by the developer;

5. Pre-sale contract of commercial housing;

Six, the developer's five certificates (state-owned land use certificate, construction land planning permit, construction project planning permit, commercial housing sales (pre-sale) permit, business license) copy;

Seven, the migrant population in addition to the above information, but also need to provide temporary residence permits and work in the city for more than one year of tax payment or payment of social security certificate.

Extended data:

Housing provident fund loan amount:

The loan amount of the provident fund is regulated according to levels, with the highest loan of 800,000 for Grade A, 920,000 for Grade AA and 0/0.04 million for Grade AAA. The longest loan period of the provident fund is 30 years, whichever is older.

The age of the building plus the loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57.

The specific loan amount is:

1. It shall not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/borrower's reserve deposit ratio+borrower's spouse's reserve deposit ratio ×50%× 12 (month )× loan term;

Two, the purchase of the first set of ordinary self-occupied housing, shall not exceed 70% of the housing purchase price (Xing Tao construction area of 90 square meters (inclusive), shall not exceed 80% of the housing purchase price);

Three, the borrower (including spouse) should have the ability to repay the loan principal and interest, the average monthly income is not less than the minimum living standard of urban and rural residents in this city.

Duration of provident fund loan: The longest term of housing provident fund loan is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.

Baidu encyclopedia-housing accumulation fund

China Economic Net-Housing Loan Q&A: What documents are needed?