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 all over age 27, millennials�?health and fitness started to decline �?and tendencies advise the downturn could be more than wha