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... e try to get a loan from the bank, observe their procedures, then copy their loan documents and add some extra clauses."

He glanced at Mr. Fox beside him, "For example, after a certain period, even if you forfeit the collateral, you still need to repay the full amount of the debt and interest. This way, you can ostensibly lower the interest rate."

This approach is a variation of the bank's usual play. If one can't repay the debt in time after taking out a bank loan, they will the ...

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