代償高利降息：可配合代償當舖、地下錢莊的高利貸款，平轉降息或整合負債，減輕負擔。 銀行在核准後一定期限內，依您的要求將款項撥入指定帳戶，並通知每月繳款日期及應繳金額，您只需按時存入應繳金額，由銀行自動扣款。 巧立名目收取費用：有�

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