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不少業主擔心手上物業成為負資產後，銀行便會「simply call bank loan」，但其實只要業主繼續按時還款，並無拖欠貸款、從事非法活動或做出違法按揭合約的行為（如借按揭保險後把物業出租），銀行極少會「get in touch with loan」。即使業主延遲還款，銀行通常先口頭