When you have debts which will’t be A part of the IVA, you will have to handle those separately so you'll want to be sure you have adequate income to pay these debts ahead of shelling out funds into an IVA.

The creditors�?meeting: It is a remote or in-person Assembly, which you can show up at if you want, exactly where the creditors will elect to settle for or reject the IVA proposal. If creditors representing much more than 75% of your overall debt vote in favour, your IVA can go forward.

Should you have your own private enterprise you might be in a position to get credit score for small business merchandise and services. However, you may be charged greater interest prices due to an IVA. This may suggest your debts maximize and you’ll find it harder 債務重組 to pay for them.

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。

Asset safety: Your creditors received’t be able to sell belongings, like your private home or 債務舒緩債務重組分別 automobile, if they are secured below an IVA.

服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。

An Individual Voluntary Arrangement (IVA) is usually a authorized agreement between both you and your creditors that will help you repay your debts at A cost-effective charge.

*合資格客戶須於提取貸款後至大新銀行存入現金回贈當日，仍然持有有效之貸款戶口、還款戶口及相關大新儲蓄或往來戶口，並一直維持良好之還款記錄及正常運作。

An IVA normally lasts for five yrs, but it may be extended to 6 yrs Should you be a homeowner. It's because you might require to remortgage Should you have fairness in the house or make additional payments if you cannot remortgage.

本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。

Yet another key difference is the kinds of financial debt you'll be able to consist of. Only non-precedence debts might be included in a DMP, like financial loans and credit card debts. Having an IVA, it is possible to incorporate important such things as Council Tax arrears and gas, h2o, and electrical power bills.

香港債務舒緩或重組邊間好? 本會在處理債務問題上會根據你的實際情況，給予你一些確實的建議和適合你的舒緩方案。除此之外，我們亦會為債務人提供適切的支援及幫助，包括一些心理輔導和法律上的援助，更會定時舉行一些理財教育活動，讓大家學懂如何妥善理財，避免在一次出現債務問題；同時亦會有一些培訓及就業支援，讓債務人在償還債務的同事能夠有一份穩定的收入，繼續過一些正常的生活。當然我們亦非常注重債務人和家人的精神健康，會適當地給予一些心理輔導，希望能夠舒緩他們因債務已帶來的一些心理壓力。

To setup an IVA, 債務舒緩收費 you'll be billed a charge by your insolvency practitioner, which varies according to whom you decide on.

Sign-up for the electoral roll, when you haven’t previously, to make it easier for lenders to validate your identity.