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23 Dec 2007 In order to get a housing loan the customer has to go through a credit appraisal process. Each bankHousing Finance Company (HFC) has its. This book provides a comprehensive analysis of lending strategies, credit appraisal, risk analysis, and lending decisions within the overall objectives of a. 13 Feb 2012 Credit appraisal is done to evaluate the credit worthiness of a borrower. to ensure that the judgment in appraisal process does not depend on.