消費借貸意思如果您借的錢超過了您的償還能力信貸優缺點，您的貸款利率會更高房貸成數高的銀行。 https://abc83.webnode.tw/news/%e6%b6%88%e8%b2%bb%e5%80%9f%e8%b2%b8%e6%84%8f%e6%80%9d%e5%a6%82%e6%9e%9c%e6%82%a8%e5%80%9f%e7%9a%84%e9%8c%a2%e8%b6%85%e9%81%8e%e4%ba%86%e6%82%a8%e7%9a%84%e5%84%9f%e9%82%84%e8%83%bd%e5%8a%9b%e4%bf%a1%e8%b2%b8%e5%84%aa%e7%bc%ba%e9%bb%9e%ef%bc%8c/