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目前，银行开办的住房贷款主要有公积金贷款、按揭贷款、个人住房组合贷款等三种方式。那么，借款人在申请和办理住房贷款过程中，借款人应承担哪些责任呢？一、保证所提交申请文件的真实性。申请住房贷款，借款人应提交身份证，职务和收入证明（含家庭财产状况说明）、购房合
At present, there are three modes of housing loans run by banks, including provident fund loans, mortgage loans and individual housing portfolio loans. So, the borrower in the process of applying for and handling housing loans, borrower should bear what responsibility? First, to ensure the authenticity of the application documents submitted. Apply for a housing loan, the borrower should submit an ID card, job title and income proof (including the description of the family property status), purchase a house