1. Application form for individual housing loans. Other documents and information designated by the lending bank. If the borrower's spouse and his * * * both apply for a loan, they should also indicate the relevant information of their spouse on the application form, and provide marriage certificate, household registration book, etc.

2. House sales (pre-sale) certificate or house pre-sale certificate (existing house). Commercial loans to buy a house must provide the borrower's own funds to buy (overhaul) housing related documents. The guarantor shall issue a written consent guarantee and its credit certificate.

3. CCB deposit documents and voucher-type treasury bonds provided by borrowers to lenders. List of collateral or mortgage right and certificate of property right, guarantee or mortgage guarantee provided by the dispossessed person, and guarantee issued by an appraisal institution approved by the loan bank.

4. Legal house sales contracts, agreements and relevant approval documents. Proof of the borrower's stable economic income or other solvency provided by the relevant institutions approved by the handling bank. When purchasing a commercial loan, you must provide your ID card, residence booklet, military officer's card, overseas natural person's ID card, family visit card, home visit card and other ID cards, as well as your residence permit in China.

How to repay the commercial loan from the provident fund

When a customer applies for a commercial loan, he can repay the remaining funds by hedging the provident fund. Alternatively, the user can withdraw the deposit from the bank account at one time and then pay in cash. If customers want to apply for provident fund loans in the future, banks do not recommend using provident fund to repay them, which will reduce the bank's deposit quota.

If it's a bank, you don't need to apply for provident fund. It would be better to return the provident fund to the bank, because there won't be too much money in the card.