申貸條件確認後，備齊所有相關資料，申請文件，包括貸款申請書、身份證正反面影本、第二證件影本、行車執照、汽車新領牌照登記書以及薪資收入證明文件等。 除了個人的信用、財力條件以外，房屋本身的條件也會大大影響到房貸利率，屋況新、地段好、

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