一般信用貸款會需要申貸人附上勞保明細以及薪轉證明，以證明自己的還款能力。 只要願意挽救，都有機會理清債務、回復信用，在失控前就應該先協調，才不會被法扣、強制執行甚至拍賣，最後破產。 ：在雙方都同意借款金額、利息計算方式、所有條件細節

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