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雖然桃園當舖免留車比起押車借款條件較嚴格，但相對於銀行、融資公司需拉聯徵、查看信用分數依舊寬鬆許多，只要有工作收入或名下有資產證明還款能力，基本上都能輕鬆過件。房貸利率申請條件，除了申請人的信用評等以外還包含不動產鑑價。信用評等是關
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