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。

They also work as an intermediary concerning both you and your creditors. Only 75% within your creditors should agree to the repayment approach with the IVA to commence.

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

You will get an IVA without having a financial debt administration business. It’s normally less expensive and you will find an insolvency practitioner your self - they’ll tutorial you through the process.

To get an IVA, you will want some spare dollars each and every month to pay for your creditors. The amount required differs dependant upon your IVA, the volume of creditors you have got, and the amount of personal debt you've. Your insolvency practitioner will be able to focus on this along with you.

如欠債額較低，欠債人較適宜債務舒緩和其他大額清數貸款，不需要經過法律程序和留下紀錄，較適合一些從事敏感行業的人士，如金融業、公務員

Somebody Voluntary Arrangement (IVA) is often a authorized agreement concerning 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。

Also, you will discover Employment that a bankrupt person wouldn't be legally permitted to hold, for instance Functioning for The federal government, inside a economical companies function, or staying an organization director. Remaining in an IVA may not impact your task unless you're employed in economical or legal expert services.

It’s greatest to pay for mortgage loan or lease 債務舒緩成功率 arrears separately on your IVA - this may prevent you dropping your own home.

When you are getting a State Pension, It will likely be incorporated when you work out the amount of you may find the money for to pay for into an IVA.

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。

In case you enter into an IVA, it received’t seem on 債務重組破產分別 your own companion’s credit rating report and received’t impact their credit rating rating Unless of course you and 債務舒緩債務重組分別 your lover are financially connected. You’ll only be fiscally related if you’ve taken out joint credit score, like a home finance loan or joint car finance agreement.

You received’t typically be expected to borrow from your house if The brand new bank loan would extend outside of the existing personal loan phrase or beyond your condition retirement age.