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现有住房抵押贷款流程是什么？

现有住房抵押贷款流程是什么？

浏览：42次 | 提问时间： 07-03 03:49

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繁华落尽浅唱离殇 07-03 03:50

购房者首先要重视自己在银行的信用情况，因为如有不良征信记录就很难申请到房贷。不良征信记录对于借款人办理贷款的影响分为三种情况，一是降低借款人的贷款成数;二是使借款人的贷款利率上浮;三是不良征信记录较严重的借款人，银行将不受理贷款。
另外，如果市民发现个人征信记录存在问题，应及时向有关部门申请核查，并采取相应的补救措施。

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