破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。

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You received’t normally be expected to borrow from your house if The brand new loan would prolong beyond the present loan phrase or further than your condition retirement age.

Asset security: Your creditors won’t manage to offer belongings, like your private home or vehicle, Should they be shielded less than an IVA.

Your capable insolvency professional will also write a report for your courtroom, such as their feelings on whether the proposal is probably going to be successful.

You might elect to cash in many of your pension to boost a lump sum for an IVA. Nevertheless, 債務舒緩債務重組分別 this would depart you with much less revenue to survive when you retire.

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Priority debts usually are not included in an IVA. They count in direction of your monthly house costs as an alternative. Priority debts incorporate:

最新港元定期存款利�?最新美元定期存款利�?最新人民幣定期存款利率 活期存款:最新活期存款利率比較及分析 零存整付:最新銀行低風險月供存款利息比較 銀行開戶口 優惠比較 香港開大陸戶口教�?戶口最低存款額一覽

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。

保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。

If you’re nevertheless spending dollars into your personal pension, You may have to prevent spending into the pension and use the money to pay your creditors while you possess the IVA. It would be feasible to continue paying out into your pension if you will find an important cause. Question your insolvency practitioner.

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If you receive a lump sum as Element of a personal pension, you could possibly need to agree to shell out this into your IVA.