借款人及其配偶及未成年子女名下都沒有自有住宅（申請時只要當下沒有房子就可以申請，曾經有過房子也沒關係!!） Brand acknowledges that these components aren't flawlessly predictive, but defends their trustworthiness. The info, she states, arrived from the longstanding study done because of the Bur