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。

So how exactly does an IVA have an affect on your life? An IVA is undoubtedly an insolvency Option and might influence your finances in many ways. Your credit score rating is impacted for 6 yrs, from your day the arrangement is agreed. For the duration of this time your IVA can also be recorded on:

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

Should you have personal savings, you always have to include these in your IVA, either by having to pay your creditors a lump sum or using the income to produce month-to-month repayments.

ClearScore is usually a economical technological know-how enterprise which can give its buyers absolutely free use of their credit rating score and tends to make its money by matching users with financial loans and charge cards.

An IVA is an expensive choice plus a lasting determination - there might be a greater Answer to your predicament.

During the IVA, your creditors must prevent charging interest or chasing you to your debts. Any dollars that you owe after the agreed time period is going to be penned off.

Mainly because an IVA is created iva是什麼 for a single individual, it might not be the best way to repay joint personal debt. It's because, Even though you are within an IVA in your financial debt, your companion will continue to be to blame for repaying the financial debt.

An IVA will seem on your own credit file and could make it 債務舒緩收費 harder to have credit rating. It won't be eradicated until 6 several years following the day it absolutely was authorised.

Some insolvency practitioners could offer you a free of charge or minimized rate Preliminary Assembly to look at whether or not an IVA is appropriate for you. Talk to about to find out who delivers this company.

An IVA normally lasts for five many years, but it could be prolonged to six decades In case you are a homeowner. It's because you might have to remortgage Should you have equity in your property or make further payments if You can drp是什麼 not remortgage.

影響信貸評級：債務重組期間，透過自願還款可以改善信貸評級。有助於在債務重組完成後更容易獲得貸款或信用卡。

Bankruptcy: Declaring personal bankruptcy usually means that you're lawfully categorised as becoming not able to repay your personal debt. You will need to owe in excess of £five,000, and it requires the value of your respective assets to get shared with all your creditors.

You may also help us persuade The federal government to offer folks the debt support they need. Choose an nameless survey that will help us master what persons want.