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跟银行问询都要载入信报？请问你这话有任何权威出处或普遍的同类说法吗？
这个的确会泛起在credit report上，然而不料味你的credit会减低，只是关于事实的记载。银行至多就是会讯问一下你有无尚无disclosed的loan。
看一下unconditional offer的定义：
Formal approval or unconditional approval means the bank has everything it needs to make a final decision, and they have confirmed they’re willing to lend you the money. At this stage, you don’t have to accept the loan, however if you’re happy to go with the lender’s offer, all that remains is for you to read and sign the loan paperwork.
收到unconditional offer阐明银行违心借钱给你，做你的生意，你能够选择做仍是不做。就像你同时请求几个大学，都给了你offer，最初你选一个最佳的。然而，一旦你签了一个unconditional offer，就不成以再签其它的了，由于你和银行签署了协定。
当初银行审批这么紧，谁也说不出能不克不及在5天的cooling off period里拿到unconditional offer，即便拿到，也纷歧定是pre approval时说的金额，所以当初同时请求几个unconditional offers很正常，最初谁先到，谁的前提好，你就签哪一个，对你本人是个保障，无可非议。 |
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