2. Holding a legal purchase contract or agreement.

3. The borrower agrees to take out mortgage property insurance.

4. In principle, if Luzhou City Commercial Bank applies for individual housing mortgage loans to non-group customers, it must provide another set of uncontroversial housing property rights guarantee besides the mortgaged houses.

5. The payment receipt or payment voucher of the down payment for house purchase indicates that it has been deposited in the special account opened by the developer in the loan bank.

6. List of collateral or pledge, proof of ownership, and proof that the person who has the right to dispose of it agrees to mortgage or pledge; Credit certificate of the guarantor and written materials agreeing to provide guarantee.

7 proof of stable income of the borrower and his family issued by the borrower's unit or the bank's examination and approval department.

8. Other conditions stipulated by the bank.