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當鋪借款也是一種常見的貸款管道，比起其他貸款方式，當鋪的年利率通常較高，且借款人需要提供高價的貴重物品（如珠寶、電子產品等）作為抵押品。在當鋪評估物品的價值後，提供一定比例的現金。這種方式撥款迅速，但如果借款人未能按時還款，抵押品將
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