保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。

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

如欠債人在供款期間不幸被解僱或遭減薪，只要出示有關證明文件，並獲債權人同意，就可暫時停供還款。

委託會計師及律師作為代理人。代理人會因應個別欠債人的情況，決定是否接納其案件。委託一經接納，欠債人需就開展債務重組進行宣誓，並由代表律師將臨時命令申請書呈送法庭存檔。

Asset security: Your creditors gained’t have the ability to offer belongings, like your home or car, if they are safeguarded beneath an IVA.

Higher worth goods similar to a ‘residence�? ‘land�?or maybe a ‘vehicle�?are identified as belongings and can be included in your IVA. This suggests you'll market them and use The cash to pay the creditors. You don’t need to own any unique property to obtain an IVA.

Should you have a personal or office pension If you can get cash from a personal or occupational pension, It will probably be incorporated when you're employed out how much you'll be able to find the money for to pay for into an IVA.

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。

The data on this Internet site is for reference only and will be updated every 債務舒緩成功率 so often. For additional facts, you should Speak to us

In case you owe revenue for your rent, mortgage loan or secured loans You cannot normally include things like secured financial loans, home loans or lease in an IVA.

　怎樣的重組債務方案才合適自己？聆聽您的實際情況，免費分析您的債務個案，給予最中肯意見。

An IVA will often be immediately extra, marked as ‘complete�? and removed from your credit rating file as needed. Soon after six many years, it is going to now not be visible with your credit history file, but you can Examine your credit rating report occasionally to make certain all the main points are suitable.

Personal debt charities: Chatting with financial debt charities, which include StepChange or National Debtline, will help you generate a private personal debt management program or discover the 債務舒緩債務重組分別 finest Alternative to assist you repay That which you owe.

An IVA will seem with your credit history file and will make it tougher to acquire credit rating. It won't be taken off right until six many years iva是什麼 following the day it was authorized.