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Najlepsze są formą drapieżnego finansowania, które może przejąć smartney kontakt ludzi z zaplanowanej gospodarki. Mają duże opłaty za znaczenie, ani nie mogą wybierać wygody spłaty pożyczkobiorców. Są również nietrwałe.
Banki mają tendencję do żądania stałych funduszy, dowodu funkcji i kont bankowych.
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