債務舒緩收費 Fundamentals Explained - 【iva.ctr.hk】

債務舒緩收費 Fundamentals Explained - 【iva.ctr.hk】

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申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

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。

Asset security: Your creditors won’t manage to sell assets, including your private home or automobile, Should they be guarded below an IVA.

債務重組是《破產條例》下的法律程序，又稱為「個人自願安排」，是破產以外的另一選擇。當欠債人無法按雙方擬定協議還款時，欠債人可向法院申請臨時命令，期間任何人不得向債務人提出破產呈請，但需進行債務重組，與各債權人協商新的還款安排。一旦雙方達成共識，新協議將對所有債權人具約束力。

有債務人怕債務重組價錢高昂，但經過本公司申請，債務重組費用是在您節省利息的百分比來收費，成功後分期付款，而且不會多於您的還款金額，所以申請人並沒有額外付出之下，完成減供減息

Personal bankruptcy: Declaring personal bankruptcy implies that you are lawfully labeled as getting unable to repay your personal debt. You have got to owe in excess of £5,000, and it necessitates the worth of one's belongings to get shared along with your creditors.

We could provide you with an answer that could reduce your every month payments Using the possible of freezing fascination and fees, and in some cases creating off some of the personal debt.

毋須像債務重組般，一旦申請成功則須通知特定行業的僱主，如紀律部隊及銀行從業員，以便影響工作前途

An individual voluntary arrangement has to be arrange by a certified insolvency skilled. They’ll figure out exactly how much you may find the money for to pay on a monthly basis soon after masking your essential expenses.

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Note: Be sure to routinely update this computer software to make certain you might have the newest Model with by far the most latest driver databases. Also, maintain your antivirus application enabled to 債務舒緩債務重組分別 guard your Personal computer from prospective security threats.

Individual Voluntary Preparations, or IVAs, are authorized agreements that 債務舒緩邊間好 can help you pay back your financial debt at a more economical charge. Continue reading to Discover how they operate and whether they may be an option for you.

本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。