向银行申请个人住房贷款时，借款人应提交的材料有（）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26789' and id < 2228756 and id<>'2228756' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26789' and id > 2228756 and id<>'2228756' order by id asc limit 5