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。桃園代書貸款是民間借貸的常見管道，雖然很多人會用這個方法周轉，但也�

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