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تلتزم البنوك والمصارف -بناءً على طلب العميل- بإعادة جدولة المديونية في حال ثبوت تغيُر ظروف العميل (اختيارياً) مع إمكانية تغيير كلفة الأجل ودون أي رسوم إضافية، على أن يتم تنفيذ الجدولة خلال فترة