Getting accepted for credit rating can be tougher right after an IVA. Whilst you can however be approved for things such as car finance right after an IVA, you will be offered a greater curiosity charge.

財產歸屬破產案受託人：破產人的所有財產（包括家庭居所）歸屬破產案受託人，直至破產產業管理完結。解除破產並不等同受託人已完成產業管理；

私人貸款 熱門私人貸款 財務公司貸款 銀行貸�?結餘轉戶貸款 汽車貸款 稅務貸款 虛擬銀行貸�?中小企貸款

Owning an IVA will negatively have an affect on your credit history rating. That’s since an IVA displays which you’ve experienced problem keeping up with repayments up to now.

If it’s likely you are going to obtain an inheritance or significant bonus or present within the following five several years, you need to think twice about whether an IVA is appropriate for you.

Equifax is a worldwide credit history reference agency working in the united kingdom. You are able to entry your Equifax credit history report without spending a dime by signing up for the myEquifax account.

Regardless of whether an IVA is ideal will depend on exactly how much debt you've got and what number of creditors you 債務舒緩債務重組分別 may have (a creditor is someone you owe cash to).

面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

Secured loans are debts that are secured versus your own home. This implies If you're able to’t pay back the credit card debt, they're able to consider your private home.

Some insolvency practitioners may provide you 債務重組邊間好 with a free of charge or minimized rate initial Assembly to look at whether 債務重組收費 an IVA is suited to you. Ask about to view who presents this company.

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

債務重組是一種透過法律途徑處理大量欠款的策略，進行此項程序前需要留意一些準備步驟和重要事宜。

An IVA needs to be set up by an experienced insolvency practitioner. An insolvency practitioner is a professional that's accredited that will help people in financial difficulty.

不少人都問：債務舒緩或重組邊間好？其實，市面上有不同的公司或機構提供處理債務的服務，當中不乏一些專業人士或機構，但他們未必能夠多角度和多方面地照顧到債務人的需要，只能夠單方面處理財務上的問題，例如一些律師會建議債務人申請破產，但卻忽略了會帶來的嚴重影響。最後債務問題解決了，但未必能舒緩其他因債務問題而引致的生活上各種問題。