Frederick Zhang@mawei 一般是先办个pre-approval， 然后该竞标竞标该议价议价，谈成了签合同开始settlement的程序银行这时候一般不会back out of it
当然你想先竞标也一般没人拦着你，非竞标的话卖家or中介会先问你有没足够现金or pre-approval （竞标他们也会问但是不要证据啥的只影响中介对你的态度）
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