A Secret Weapon For 債務舒緩 - 【debts.ctr.hk】

A Secret Weapon For 債務舒緩 - 【debts.ctr.hk】

Blog Article

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。

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

Credit rating problems: Your credit rating score will likely be broken drastically by an IVA, that may help it become really hard to take out a mortgage loan, bank loan or credit card. IVAs continue to be on your own credit rating file for six years.

網上申請特快服務承諾：於任何辦公日中午前遞交網上申請，將有專人於當日跟進

If it’s probably you are going to obtain an inheritance or substantial bonus or present within the up coming five years, you must consider carefully about no matter if an IVA is ideal for you.

以申請日起計，由於申請過程涉及的專業團體、行政工作較多，包括簽署文件，宣誓，排期上庭、開債權人會議作表決，整個申請流程大約花費四至五個月時間。然而，本中心在過程中會安排專業的會計師與律師跟進個案，客人不須擔心。

We use required cookies to generate our web site function. We'd also like to set analytics cookies that assist us make improvements by measuring how you employ the website, and also promoting cookies which are required to offer relevant adverts om 3rd party platforms. These will likely be set only if you accept.

結餘轉戶貸款是一種私人貸款產品，與債務舒緩計劃不同，其原理是將多筆卡數或債務合併，並轉移至單一債權人，以達至減少利息支出、方便管理債務及延長還款期等作用。

借得la是一家來自新加坡的網上貸款配對平台，免費為個人及企業用戶在香港尋找最合適的貸款方案。只需數分鐘時間在網上填寫申請，用戶即可接收不同銀行和財務公司所發出的貸款安排及優惠以作比較。

部份公司的會計師及律師可接受費用分期支付，甚至可因應欠債人的財政能力協議支付方法，例如將專業費用、律師費列入每月還款金額中。這些寬限服務，亦可納入欠債人考慮是否選擇該公司之因素之一。

面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

The insolvency practitioner will overview your predicament yearly When you’re on an IVA. 債務舒緩收費 If the cash flow alterations, your IVA payments may well alter. As an example, if you receive a fork out rise at do the job you’ll be envisioned to pay for iva far more into your IVA.

破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。

As you’ve made many of the payments, your 債務舒緩邊間好 insolvency practitioner offers you an IVA completion certification confirming your IVA has concluded and also your debts are cleared.