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。

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In case you own your individual enterprise there's a chance you're capable of get credit history for enterprise products and expert services. However, you might be charged better desire rates due to an IVA. This could necessarily mean your debts improve and you’ll obtain it more difficult to pay for them.

Somebody voluntary arrangement (IVA) is a proper and lawfully binding agreement among both you and your creditors to pay for again your debts around a period of time. This means it’s accredited because of the court docket plus your creditors have to stick with it.

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When you are serious about utilizing a financial debt management enterprise, Test the amount they will 債務重組破產分別 charge prior to deciding to come to a decision.

Through the IVA, your creditors should really quit charging fascination or chasing you in 債務重組破產分別 your debts. Any money that you simply owe following the agreed interval will probably be composed off.

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。

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破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

The insolvency practitioner will review your scenario yearly As you’re on an IVA. In case your money adjustments, your IVA payments could possibly alter. One example is, if you can get a pay back increase at get the job done you’ll be envisioned to pay additional 債務舒緩 into your IVA.

Most IVAs Have a very windfall clause. A windfall is money or possessions you will get unexpectedly - for example:

只要申請人的信貸評級不算太差，一般都會獲批。如申請人的信貸評級未如理想，所批出的利息一般會較高