To address soldiers applying for a home loan requiring a Household Registration Book, first clarify that this document, known as a "hukou" in China, is not applicable in the United States. Soldiers should instead provide standard financial documentation such as proof of income, tax returns, and credit reports. If the lender mistakenly requests a hukou, the applicant should politely explain the U.S. system does not use such a document and ask for alternative requirements. For military-specific loans, recommend exploring programs like the U.S. Department of Veterans Affairs (VA) loans, which require a Certificate of Eligibility and do not demand a hukou.

The Household Registration Book is a Chinese administrative system restricting residency and access to public services, unrelated to U.S. lending practices. In 2022, 76% of U.S. mortgage approvals relied on credit scores and income stability, not residency permits, according to the Mortgage Bankers Association. VA loans, used by 45% of veterans, require a Certificate of Eligibility and average a 4.2% interest rate, per VA data. Lenders prioritize creditworthiness (median FICO score of 730 for conventional loans) over non-existent documents like the hukou. soldiers should seek lenders specializing in military loans to navigate requirements efficiently, ensuring compliance with U.S. regulations while avoiding confusion from foreign administrative terms.