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結餘轉戶貸款是一種私人貸款產品，與債務舒緩計劃不同，其原理是將多筆卡數或債務合併，並轉移至單一債權人，以達至減少利息支出、方便管理債務及延長還款期等作用。表格及文件下載 服務費用 網站資料 目錄 銀行服務 戶口及網上理財 綜合戶口譚競正會計�

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