The data on this Web-site is for reference only and may be current from time to time. For details, be sure to Call

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

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 defense: Your creditors gained’t be able to promote assets, including your own home or motor vehicle, Should they be shielded less than an IVA.

The same can be explained for individuals trying to safeguard their revenue, because an IVA is particularly suitable Should you be in the profession that prohibits personal bankruptcy as a financial debt Alternative, for instance accountants, lender staff, legal professionals, civil servants, Armed Solutions personnel, Jail Officers and Police Officers.

Large value things like a ‘house�? ‘land�?or perhaps a ‘auto�?are termed property and may be included in your IVA. This implies you can promote them and use the money to pay the creditors. You don’t will need to have any specific assets to obtain an IVA.

Driver Talent: A driver updater that will scan, obtain, and set up motorists, and backup and restore drivers for easy restoration.

Marketing and advertising cookies Promoting cookies are made use of to track website visitors throughout Internet sites. 債務舒緩收費 The intention will be to Exhibit adverts which have been suitable and interesting for the individual user and thereby extra precious for publishers and 3rd party advertisers.

If you have an outlined contribution pension In case you haven’t began taking income from a pension pot, your creditors possibly won’t anticipate you to definitely entry it to pay for funds to the IVA, Even iva when you’re allowed to.

Your insolvency practitioner will discuss with you regarding your property and whether they needs to be included in the IVA 債務舒緩成功率 or no matter whether you may continue to keep them. It's essential to convey to the insolvency practitioner about your belongings. For those who don’t convey to them about a little something you’ll be breaking the regulation.

We are going to merely converse via different answers to assist you to make a decision what's greatest for yourself. To find out more to the methods we offer/advise on, make sure you see: DMP

Giving your IVA is accepted, you’ll start out creating every month payments to the business running your IVA. They’ll divide the money amongst your creditors.

Credit score rating problems: Your credit score rating is going to be broken considerably by an IVA, which is able to ensure it is very challenging to consider out a property finance loan, bank loan or charge card. IVAs remain on your own credit file for 6 many years.

債務舒緩做法跟債務重組類似，但兩者的分別便在於債務舒緩毋須經過任何法律程序，而是由欠款人及債主自行磋商新的還款方案。如債務來自多間家銀行，最大債主會主導債務舒緩方案，與其他銀行定商議如何分配欠款人的每月還款額，不少銀行設專屬部門處理債務舒緩程序。不過，若欠款人無法與債主們達成共識，最終很可能交予法院處理，即上文提到的債務重組計劃方案。