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Model acknowledges that these factors are usually not perfectly predictive, but defends their trustworthiness. The data, she claims, arrived from the longstanding review executed through the Bureau of Labor Statistics that surveyed a gaggle of people representative of the general population and “pretty responsible actions�?had been made use of.

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。一般而言，有幾個途徑可以申請房貸，包括：銀行、郵局、農會和壽險公司�