六要：一、申请贷款额度要量力而行。在申请个人住房贷款时，借款人应该对自己目前的经济实力、还款能力做出正确的判断，同时对自己未来的收入及支出做出正确的、客观的预测。二、办按揭要选择好贷款银行。对借款人来说，如果你购买的是现房或二手房，你就可以自行选择贷款银? Six to: First, apply for credit facilities to do what. When applying for personal housing loans, the borrower should make a correct judgment on his current economic strength and repayment ability, and at the same time, make correct and objective forecasts on his future income and expenditure. Second, the mortgage should choose a good loan bank. For borrowers, if you buy existing or second-hand housing, you can choose to loan silver?