When a lender purchases a commercial house, it must provide the following elements when handling the loan: the certificate of housing provident fund deposit issued by the management center where the housing provident fund is deposited; The original and photocopy of the identity cards of both husband and wife; Original household registration book; Original and photocopy of marriage certificate; Original commercial housing purchase contract; Copy of commercial housing sales license; A copy of the new building number and quantity approval form, the full purchase invoice and the original notice of residence permit; Original maintenance fund receipt, original deed tax receipt.

When the lender purchases a second-hand house, it must provide the following elements when handling the loan: the certificate of housing provident fund deposit issued by the management center where the housing provident fund is deposited; The original and photocopy of the identity cards of both husband and wife; Original and photocopy of the household registration book; Original and photocopy of marriage certificate; Original house sales contract, original house appraisal report, original and photocopy of property right certificate and original deed tax certificate; Original and photocopy of transaction fee receipt and deed tax receipt; The original and photocopy of the land certificate shall be provided for the houses in the five districts outside the city. If the land certificate is not issued, you can also apply for a receipt with the land certificate.