Legal analysis: The materials needed for second-hand housing loans include: the buyer's ID card, household registration book, proof of marital status, down payment certificate, proof of occupation and income, and house sales contract. Seller's ID card, household registration book, proof of marital status, house title certificate, and statement that spouse and others agree to sell. If other natural persons provide guarantee for the purchaser, the guarantor shall pass the bank's audit and provide relevant certification materials as required by the bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 679 A loan contract between natural persons is established when the lender provides the loan.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.