影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。

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

其他貸款 學生貸款 進修貸款 太陽能貸�?大額投資貸款 結婚貸款 日息循環貸款

Following that, they’ll publish an IVA proposal for your creditors and the court docket. The proposal will contain:

The data on this Site is for reference only and may be up to date every now and then. For particulars, be sure to Get hold of

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。

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

Your skilled insolvency specialist will then put collectively a proposal to choose towards your creditors. Giving your creditors take your proposal, you’ll start creating monthly payments to your credit card debt. The business running your IVA will divide Individuals payments concerning your creditors.

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。

Some insolvency practitioners cost a rate upfront, while some acquire it from the every month personal debt repayments. It is important to talk to your insolvency practitioner about the service fees included and no matter if you have got to shell out a cost When your IVA proposal is rejected.

Yet another key change is the categories of financial debt you can include things like. Only 債務舒緩債務重組分別 non-precedence debts may be A part of a DMP, like loans and charge card debts. Using an IVA, you are able to involve vital things such as Council Tax arrears and fuel, water, and energy payments.

But So how exactly does an IVA have an affect on you? You will be worried about 債務舒緩成功率 how it impacts your credit history score and skill to receive permitted for things like vehicle finance. Our tutorial explores what 債務舒緩邊間好 an IVA is, how it works, and responses your widespread concerns.

就業限制：不能從事特定職業，如律師、保險、地產和證券商或有限公司董事；

You received’t commonly be envisioned to borrow in opposition to your house if The brand new bank loan would extend further than the present loan expression or over and above your state retirement age.