信用記錄：借款人的信用記錄是決定貸款成數的重要因素之一。有良好信用記錄的借款人通常可以獲得較高的貸款成數。若以其他不動產作為抵押品，抵押品的價值若較高，則有可能提高房屋貸款的成數。The scientists also discovered that female millennials were being in poorer well