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

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。

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An individual voluntary arrangement (IVA) is a means to repay your debts at An inexpensive level. It is actually legally binding agreement involving you plus the people today you owe.

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

If you are concerned about the effect of the IVA on your own career, Verify the stipulations of the contract. Look at if it suggests everything about continuing to work If you have an IVA.

In case you owe cash to HM Revenue and Customs If most of one's debts are for things such as cash flow tax, countrywide insurance arrears or overpaid tax credits, an IVA might not be the proper choice for you.

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The creditors�?meeting: That is a remote or in-man or woman Conference, which you can attend if you want, in which the creditors will elect to take or reject the IVA proposal. If creditors symbolizing more than 75% of your complete credit card debt vote in favour, your IVA can go in advance.

If you get additional revenue or possessions through an IVA Acquiring an IVA might impact any potential money or assets that you choose to get. For example, if you progress home throughout an IVA, any revenue you make as cash in on the sale drp是什麼 of your respective house might need to generally be compensated in the IVA.

To set up an IVA, you're going to be charged a price 債務重組邊間好 by your insolvency practitioner, which differs based on whom you end up picking.

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