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想申辦貸款的話都建議要有穩定工作及收入，有穩定工作就代表有穩定的還款能力，如果本身無工作或收入不穩的人，建議可申辦擔保品貸款，像是價值較高的汽機車貸款或審核寬鬆的手機貸款，透過有價值的擔保品補足條件不足的部分，仍有機會過件哦！Domain Whoi

不過人情債難還，也可能為此影響雙方感情。即使是親友借款，建議還是按照行情支付一定的利息，雙方簽訂借貸契約，約定還款金額、方式與期限等，並且經法院公證、保障雙方權益。貸款最忌諱後續還不出來，將衍生一連串嚴重債務問題，應試算自己每月薪資�

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