如果借款人想要降低利息，需要附上第二個有價的高價值抵押品，例如黃金或珠寶。如果借款人是軍公教、薪資條件好、每月收入穩定等，具備好的還款能力，也有機會申請到較低的利率。 The essay promptly raised eyebrows, seeming to interfere with or perhaps contradict Pope Francis�?possess attempts to confront one of the most vital problems experiencing the church. 所得證明（如扣繳憑單、薪轉存摺、銀行... Successfully Submitted (Awaiting Approval)