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โปรโมชั่นดอกเบี้ยต่ำและผ่อน 0% จะเร่งการกู้ยืมจนเพิ่มความเสี่ยงหนี้ครัวเรือนหรือช่วยฟื้นเศรษฐกิจท้องถิ่นมากกว่ากัน?
