是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：

A debt administration plan (DMP) means that you can spend back again your creditors on a monthly basis at an sum you could manage. The DMP lasts right until you've got repaid your debts in whole or your situations increase.

The repayment system really should be based upon an volume it is possible to manage as well as your creditors will need to concur it. If you make month to month payments the IVA will usually past for five or 6 decades.

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。

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Someone voluntary arrangement have to be create by a professional insolvency professional. They’ll exercise the amount it is possible to manage to pay each month after masking your vital fees.

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How does an IVA influence your daily drp是什麼 life? An IVA is surely an insolvency solution and will influence your finances in many ways. Your credit history rating is influenced for six years, with the date the arrangement is agreed. All through this time your IVA is likewise recorded on:

Should you own costlier merchandise, which include antiques or highly-priced jewellery you should promote them to help you pay back your debts.

At the time your insolvency practitioner has proposed a repayment intend to your creditors and also the conditions from the IVA are agreed, you pay back the insolvency practitioner each and every month and they are to blame for splitting the money involving your creditors.

Our credit card debt tips can be diverse dependant upon the region you live in. Select your state underneath to ensure you get the proper information.

Asset security: Your creditors won’t be capable to market property, including your property or auto, When they are safeguarded beneath an IVA.

Should you’re still paying out revenue into your personal pension, You may have to stop spending into your pension and 債務舒緩成功率 use the money to pay your creditors As you have the IVA. It might be attainable to carry on paying into your pension if there is a vital rationale. Ask your insolvency practitioner.

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。