Not known Facts About 債務舒緩債務重組分別 - 【ivano1.top】
Not known Facts About 債務舒緩債務重組分別 - 【ivano1.top】
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債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：
服務承諾 網上支援 精選產品 換領現金券流�?常見問題 條款及細�?編輯守則 廣告合作 廣告政策 私隱政策 加入我�?媒體報導
An IVA is ready up and managed by an insolvency practitioner. They workout your repayment approach, which can include information regarding how Significantly you’ll pay back monthly and how much time the strategy will very last.
If you have personal savings, you always have to incorporate these within your IVA, possibly by paying your creditors a lump sum or using the dollars to make regular repayments.
結餘轉戶計劃是銀行或財務機構推出的貸款產品，用作集中還清債務。透過批出新的較低息貸款計劃，協助欠債人先還清來自不同公司的高息債務，減低利息開支外，申請程序亦更為簡便及快捷。
Higher value products like a ‘house�? ‘land�?or a ‘motor vehicle�?are known as assets and can be included in your IVA. This means you may provide them and use The cash to pay for the creditors. You don’t need to have to possess any distinct assets to receive an IVA.
現在只要上網搜尋債務整合，就會出現一系列提供服務的公司，容易讓客戶出現到底債務重組邊間好的疑惑。我們建議客戶只可委託正當合法，收取合理手續費的公司代為申請任何計劃。一些聲稱能夠幫助客戶解決債務問題的公司，其手法是讓客戶借更多的錢來「解決」原有債務，手法惡劣。要避免陷入更大的債務麻煩，客戶在選擇代理公司時，請釐清收費準則，及留意相關條款，免墮陷阱。
*合資格客戶須於提取貸款後至大新銀行存入現金回贈當日，仍然持有有效之貸款戶口、還款戶口及相關大新儲蓄或往來戶口，並一直維持良好之還款記錄及正常運作。
You may have a lump sum of money, for example revenue remaining for you inside a will. This is probably going being included in the IVA. This means you’ll should use this funds 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。
Your insolvency practitioner will talk with you regarding your belongings and whether they ought to be included in the IVA or no matter whether you may continue to keep them. You must tell the insolvency practitioner about all your assets. Should you don’t explain to them about anything you’ll be breaking the legislation.
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