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假如你的負擔能力不足以應付該筆按揭貸款,銀行有可能要求增加擔保人,來確保你具備充足的還款能力,但如果你本身有債務,例如有私人貸款,再找擔保人的話,你的債項亦需被考慮至還款能力當中;但如果你只做按揭人(簡單而言即是業主),另外找丈夫為借款
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