1. Legal and valid identity documents, including resident identity cards, household registration books, military officers' cards, non-commissioned officers' cards, police officers' cards, civilian cadres' cards, passports or other valid identity documents;

2 proof of the borrower's ability to repay the loan, including proof of income and relevant assets;

3. Legitimate and effective purchase contract and agreement, and proof of paying the down payment according to the specified proportion (invoices, receipts, bank bills, cash payment bills, etc.). );

4 involving mortgage or pledge guarantee, it is necessary to provide the ownership certificate of the mortgage or pledge right and the written certificate that the person with the right to dispose of it agrees to mortgage (pledge);

5. Where the guarantee is involved, the guarantor shall issue a written commitment to provide the guarantee, and provide the guarantor with proof of the guarantee ability. If the guarantor is a natural person, including personal assets and income certificates; If the guarantor is a legal person, including business license, financial statements for the last three years, credit rating certificate, etc. ; If the guarantor is a legal person and has signed the Commercial Housing Sales Cooperation Agreement with Bank of Zhengzhou, the above materials are not required for a single individual housing loan;

6. The working sequence of individual operating housing loans refers to the operation process of enterprise mortgage loans;

7. Other documents and materials specified by the lending bank.