Your certified insolvency qualified will even generate a report to the court docket, such as their feelings on whether or not the proposal is likely to be successful.

二線財務公司的貸款方案的利息往往會較高，還款期亦較短；借貸前，必需好好比較不同財務公司

一般銀行只要求債務人變賣可套現資產物業，以減輕欠債額。現時大部份負資產人士及需補地價之業主，其物業都不會受影響。

Getting an IVA will negatively affect your credit history score. That’s since an IVA shows that you choose to’ve had problems maintaining with repayments before.

They are going to then organize a creditors�?meeting. At this Conference, creditors will vote on whether to simply accept the proposal. For it to generally be recognized, creditors holding more than 75% from the debts you owe have to comply with it.

Higher worth things just like a ‘residence�? ‘land�?or even a ‘auto�?are named property and may be included in your IVA. This means you will provide them and use The cash to pay the creditors. You don’t want to possess any specific belongings to get an IVA.

最新港元定期存款利�?最新美元定期存款利�?最新人民幣定期存款利率 活期存款:最新活期存款利率比較及分析 零存整付:最新銀行低風險月供存款利息比較 銀行開戶口 優惠比較 香港開大陸戶口教�?戶口最低存款額一覽

自僱的身分並不會限制申請人申請任何欠款重新整合方案。只要可以提供所需的文件，如合理的入息證明及其他必申報文件，也能夠辦理申請。

You might have a lump sum of cash, such as dollars still left to you in a very will. This is likely to be A 債務舒緩 part of the IVA. This means you’ll really need to use this income to create your monthly payments on your creditors.

申請是否成功取決以下條件，包括欠債人的工作穩定性，是否保證有一定的還款能力；是否擁有公積金或自資物業；還款誠意；還款年期長度，以及是否需要保留專業資格等。

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

An IVA will often be instantly added, marked as ‘entire�? and 債務舒緩 removed from your credit history file as required. Immediately after 6 several years, it 債務重組邊間好 will not be obvious on your credit rating file, however , you can Verify your credit rating report often to make certain all the main points are correct.

如果輸入的資料正確，請按「確認」；如果您擬作任何更改，請按「修改」。

不少人都問：債務舒緩或重組邊間好？其實，市面上有不同的公司或機構提供處理債務的服務，當中不乏一些專業人士或機構，但他們未必能夠多角度和多方面地照顧到債務人的需要，只能夠單方面處理財務上的問題，例如一些律師會建議債務人申請破產，但卻忽略了會帶來的嚴重影響。最後債務問題解決了，但未必能舒緩其他因債務問題而引致的生活上各種問題。