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לפני איחוד הלוואות יש למפות את כל החובות: סכום, ריבית, תקופה וקנסות. רק תמונה מסודרת מאפשרת להחליט אם עדיף איחוד מלא, חלקי או סגירה נקודתית בלבד.

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