償還債務：如果您的債務負擔過重，可能需要減少債務或加大償還條件，以改善您的負債比例。 The review also took into consideration aspects like whether it absolutely was a first relationship, if there were any kids from prior marriages, if the child was prepared, whether or not the mother grew up in an ind

如上所述，房貸還款主要分為「本金攤還」及「本息攤還」。「本金攤還」的話，每月固定還相同的本金，而利息則是按照剩餘本金x利率計算。本金高時，應付的利息也較多，但隨著本金越還越少，利息也會降低。另外，「本息攤還」就是將全部的本金、利息平