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破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。一般銀行只要求債務人變賣可套現資產物業，以減輕欠債額。現時大部份負資產人士及需補地
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