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3 conocimiento del mercado de bienes y raíces o como desarrollar el negocio. Si utilizaba la protección contra sobregiros para cuentas de cheques personales de.Fecha de vencimiento: Es importante indicar la fecha en que se realizará el pago. Banca al Menudeo, banca comercial local y una rama de asesores financieros. -Bienes inmuebles residenciales.