Jika cagaran ini diambil oleh pihak financial institution, sebahagian daripada simpanan akan hilang, dan ini boleh mempengaruhi jumlah caruman yang dapat dimasukkan ke dalam Akaun 2 pada masa akan datang.Berikut adalah kelebihan dan kekurangan yang perlu dipertimbangkan sebelum membuat keputusan unt

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