人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。

請按‘檢視查冊結果’，便可讀到查冊報告。如果需要列印本，可以把報告列印出來。

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。

債務重組失敗會令債務人因無法按時償還貸款使其信貸評級進一步惡化，甚至面臨被逼破產。除了債務重組外，欠債人可考慮申請債務舒緩或結餘轉戶計劃以解決債務問題。

結餘轉戶計劃是銀行或財務機構推出的貸款產品，用作集中還清債務。透過批出新的較低息貸款計劃，協助欠債人先還清來自不同公司的高息債務，減低利息開支外，申請程序亦更為簡便及快捷。

There's a exclusive QR code on the cardboard issued by the customer service officer to each consumer. Consumers only have to scan the Wechat mini-program to perspective the Picture, department and get in touch with info in the customer service officer.

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

Due to the fact an IVA is designed for just one man or woman, it may not be The easiest way to repay joint debt. This is due to, Even when you are within an IVA in your credit card debt, your associate will nevertheless be answerable for repaying the financial debt.

債務重組常見問題

In case the payments you drp make aren’t ample to pay your debts in complete by the top within your IVA, you gained’t really need to fork out The remainder.

Although it isn’t extremely hard to go a credit rating Test even though in an IVA, it's going to stay on the credit history file for 6 yrs with the day it had been permitted, which can have an affect on your ability to get credit.

IVA stands for ‘Particular person Voluntary Arrangement�? It’s a proper credit card debt Answer that helps you combine and repay numerous debts in a single month-to-month payment. You’ll 債務舒緩成功率 produce a authorized arrangement to repay part or your entire debts towards your creditors in An inexpensive way.

The expense of an IVA may differ involving insolvency corporations. On the other drp是什麼 hand, commonly insolvency practitioners demand two service fees for an IVA:

欠款人曾因為欠款數額過大而難以負擔，因而需要申請欠款重新整合計劃，因此，本中心衷心勸喻申請通過後的欠款人切勿再次借貸，以免墮入以債養債的無限輪迴。而一般銀行或財務機構亦都不會處理或接受正在欠款重新整合計劃期間的申請。