负分期付款贷款甚至让人们只付每个月的一部分利息，然后把其它的加到本金里。这是增加他们的债务，而不是储蓄。

Negative amortisation mortgages even let people pay only part of their interest each month and to add the rest to the principal, increasing their debt, not their savings.

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优惠只适用于零售购物签账及免息分期付款签账。

Only retail purchase and instalment transaction are eligible for the offers.

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