[Answer analysis] When applying for a personal mortgage credit loan, the borrower shall submit the following materials to the loan bank: (1) the borrower's identity certificate and marital status certificate. (2) Proof of the borrower's solvency. (3) Certificate of house ownership. (4) A statement that the co-owner of the property has agreed to handle the mortgage credit loan. If the co-owner of the mortgaged property signs the relevant contract text, it is not necessary to provide the original loan contract of the original housing mortgage loan. (5) Documents proving the purpose of the loan. (6) Other documents and materials required by the lending bank.