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不過人情債難還，也可能為此影響雙方感情。即使是親友借款，建議還是按照行情支付一定的利息，雙方簽訂借貸契約，約定還款金額、方式與期限等，並且經法院公證、保障雙方權益。理財型房貸能夠擁有增貸（能動用還款後的本金）的特質；但不同於一般房屋�

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