債務舒緩收費 Options - 【ivano1.top】
債務舒緩收費 Options - 【ivano1.top】
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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。
An IVA may be well worth thinking of For those who have a large amount of personal debt you are unable to repay. It can also be a possibility to think about if you would like to forestall creditors from taking your property by means of bailiff action or repossession.
除了銀行會有債務舒緩部之外，有很多財務公司也有推出各自的債務重組貸款產品。若然欠債人信貸報告內的信貸評級不足以申請傳統銀行戓「一線財務公司」的債務重組方案，便會將目光轉移在「二線」財務公司。然而，二線財務公司的債務重組方案的利息往往會較高，還款期亦較短；更不時會傳出僱用不當收數公司追數的消息。因此在借貸前，必需好好比較不同財務公司的貸款條款、實際年利率、還款年期等，以衡量自己的還款能力是否適合該產品，以免日後發生問題。因為無論是「一線」還是「二線」財務公司；一旦債務人無法遵守新的還款協議，便有可能面臨法律起訴，或被債權人提出破產申請等嚴重的後果。
IVA means particular person voluntary arrangement. It’s a substitute for individual bankruptcy that sometimes lets you hold vital property including your car and residential.
You could possibly come across it tricky to get credit rating for 6 years following your IVA begins. You may continue to be capable to get credit for domestic items and expert services - for instance, a fridge or car or truck insurance coverage.
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。
Uncover an insolvency practitioner: Test should they’re registered While using the Insolvency Practitioners Association, and when they’re Component of a financial debt assistance organisation, see Should they be controlled by the FCA. You may also make use of the Insolvency Practitioner directory to locate a person ideal.
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而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。
An IVA usually lasts for 5 several years, but it may be prolonged to 6 a long time For anyone who is a homeowner. This is because you may have to remortgage Should you have equity in your house or make added payments if You can't remortgage.
The insolvency practitioner will critique your problem yearly When you’re on an IVA. Should your revenue modifications, your IVA payments might improve. Such as, if you can get a fork out rise at function you’ll be envisioned to pay for a lot more into your IVA.
An IVA has to be put in place by a certified insolvency practitioner. An insolvency practitioner is a iva specialist who's licensed that will help people today in economical issue.
只要申請人的信貸評級不算太差，一般都會獲批。如申請人的信貸評級未如理想，所批出的利息一般會較高