Legal analysis: 1. Identity certificate (resident ID card, household registration book or other valid proof of residence), marriage certificate, provident fund account, social security or tax payment certificate: if both husband and wife buy a house loan, they need to prepare the household registration book, ID card and copy of both husband and wife (the same owner) of the borrower. 2. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements. 3. The borrower's down payment deposit certificate and a copy. 4. List of mortgaged property or pledged property, certificate of ownership, certificate of consent to mortgage, pledge and mortgage valuation certificate of the disposer. 5. proof of income (or bank running water, which proves that the monthly income is more than twice the monthly payment).

Legal basis: Article 17 of the Measures for the Administration of Commercial Student Loans. When accepting the borrower's application for a commercial student loan, the lender shall require the other party to submit a written loan application, fill in the relevant application form, and submit the following documents, certificates and materials:

(1) The borrower's legal identity certificate (including the original ID card, household registration book or other valid residence certificate), and provide a copy of the above-mentioned certificate;

(2) Proof of the relationship between the borrower and its legal representative as required by the lender;

(3) proof of the economic income of the borrower or his family members;

(four) the borrower provides the admission notice or the admission notice of the school for the freshmen, and the borrower provides the student ID card or other proof of school status if he is already at school;

(5) Relevant materials on the total amount of tuition, accommodation and living expenses required by the borrower during his study at school;

(VI) If the real estate is used as collateral, the certificate of the collateral and the commitment letter signed by the owner (including the owner of the real estate) to agree to mortgage (pledge) shall be provided, the collateral shall be submitted with the value evaluation report issued by the institution recognized by the lender, and the collateral shall be provided with the certificate of rights. If the collateral is guaranteed by a third party, a written document and relevant credit certification materials shall be issued.

(seven) the borrower and the guarantor shall personally issue and sign a written authorization to allow the bank to inquire about their personal credit information;

(8) Other supporting documents and materials required by the lender.