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有些沒有收入證明是因為沒有薪轉證明，但實際是有穩定收入的，這時可提供財力證明來證明還款能力，不過銀行通常都需要有薪轉證明，若沒有就會被質疑還款能力，申辦貸款時會較困難。 向合法的貸款公司或銀行申請貸款後，通常是貸款在核貸後才會收取相�

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