The correct answer to this open question is the following.
The two requirements a borrower has to fulfill before taking a house loan would be a valid certificate that states the income he/she earns in a year and a document that says that the individual is actually working and the salary it receives.
These two documents are very important to take a house loan because it indicates the owner or the real state company that the individual has the money to cover the expenses and that is actually working and receiving a salary that allows it to have the moned to cover the monthly payments.