簡單來說，在面對資金需求時，還是建議優先考慮以房屋增貸的方式，來取得較低的貸款利率； 財務狀況：除了穩定的收入外，借款人名下其他資產和個人負債狀況也會被考慮在內。如果借款人有更多的資產和較少的債務，則他們可能會獲得較高的貸款成數。

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