目前銀行已不強制要求借款人必須提供保證人。但如果借款人自願提供保證人，銀行會根據保證人的還款能力進行評估，這可能有助於提高房屋貸款的成數。But about age 27, millennials�?wellbeing began to decline �?and trends recommend the downturn could possibly be much more than what may ver