5 Simple Statements About 債務舒緩成功�?Explained - 【debts.ctr.hk】
5 Simple Statements About 債務舒緩成功�?Explained - 【debts.ctr.hk】
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人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。
請按‘檢視查冊結果’，便可讀到查冊報告。如果需要列印本，可以把報告列印出來。
如欠債人在供款期間不幸被解僱或遭減薪，只要出示有關證明文件，並獲債權人同意，就可暫時停供還款。
債務重組失敗會令債務人因無法按時償還貸款使其信貸評級進一步惡化，甚至面臨被逼破產。除了債務重組外，欠債人可考慮申請債務舒緩或結餘轉戶計劃以解決債務問題。
I've responded to your business’s intention to make use of my private data for immediate internet marketing, together with consenting to your company notifying me of loan provider information and facts by using cellular phone, sms, electronic mail, whatsapp and other instant messaging solutions.
職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。
Plenty of creditors have signed nearly a little something known as the IVA protocol. This implies they’re anticipated to accept a proposal that's been penned according to the protocol devoid of requesting avoidable changes.
If you haven't now, you ought to first Look at what an IVA is. It's also wise to check your other options for having away from debt.
If you’re above fifty five and also have a 'defined contribution pension', you might profit many of your pension to raise a lump sum for an IVA. Nevertheless, this would leave you with significantly less dollars to live on in retirement.
If you’re still having to pay money into your individual pension, You could have to prevent paying into your pension and use the money to pay for your creditors When you hold the IVA. It might be probable to carry on having to pay into your pension if there's a significant cause. Inquire your insolvency practitioner.
An IVA can only address 1 man or woman, so one other individual will however be responsible for the whole in the credit card debt. It may 債務舒緩邊間好 not be a smart idea to involve joint debts within the IVA.
No matter whether an IVA is the greatest credit card debt Option relies on your circumstances, such as the quantity of debt you have, the categories of credit 債務重組 card debt you owe, plus your power to make frequent payments.
Pension hazard: If you receive income from 債務舒緩邊間好 a private pension, you might have to pay for a few of it toward the IVA.
銀行或財務公司專為 客戶集中清還債務 而推出的貸款產品。借貸機構會批出較原有債務低息的新借貸計劃，助欠債人集中清還債務。