私人貸款 熱門貸款 私人分期貸款 稅務貸款 財務公司貸款 結餘轉戶 汽車貸款 循環貸款/私人透支 業主貸款 中小企貸�?銀行貸�?小額貸款 易批貸款 特快貸款 免露面貸�?私人貸款指南 私人貸款常見問題 私人貸款相關常用詞彙 私人貸款銀行或機構 旅遊保險比較<br /><br />Insurance coverage is the subject matter of solicitation. We advise you to protect your loan obligation against unforeseen situations so that Your loved ones must not hold the burden to pay back on behalf of you.<br /><br />在法治國家都有一套替私人解決債務的破產程序，避免因私人債務問題引發社會問題。<br /><br />電子錢包攻略家庭開支 家用／水電煤／寬頻入油【信用卡交租】信用卡交租賺現金回贈比較與教學<br /><br />法令具時效性，文章內容及所引用資料，請自行查核法令動態及現行有效之實務見解。<br /><br />如還款期不足一年，亦以一年期計算。特選中銀客戶為「中銀私人財富客戶」及特選客戶群。<br /><br />Money and loans professional Joel Larsgaard enjoys nerding out on The subject of non-public finance Together with the mission of aiding Many others improve their financial standing.<br /><br />Following a borrower concerns a bond, its value will fluctuate according to desire prices, industry forces, and a number of other variables. Whilst this doesn't alter the bond's benefit at maturity, a bond's market price tag can nonetheless change through its life time.<br /><br />一粒の種子をまけば万倍になって実るという意味から，種まき，貸付け，仕入れ，投資などを行えば利益が多いとされる日。正月は�?うし)，午(うま)の日，２月は�?とら)，酉(とり)の日というように月によっ�?..<br /><br />曾破產可以借錢嗎？<br /><br />登入 登入 私人貸款比較 所有私人貸款<br /><br />幹細胞是什麼？最熱門的再生醫學「幹細胞治療」費用、幹細胞保養品介紹！<br /><br />The financial institution should incur some expenditures while processing and sanctioning of loan and for this reason the processing cost is billed accordingly.<br /><br />其中最普遍的手法是在核准貸款時，收取高額手續費，更為危險的詐騙業者還會以律師費、諮詢費等名目，向貸款人提出分期匯款的要求。<br /><br />Listing your total offered earnings which include wages, retirement, investments, and rental Qualities. You are not needed to reveal cash flow that is certainly alimony, child assist or independent servicing Until you want to use that money to qualify for your loan.<br /><br />會讓線上借款越來越受歡迎的原因，不只是因為網路的普及，通過線上借款我們還可以擁有及時客服、優惠方案，以及多方面的比較選擇。<br /><br />破產作為一項法律程序，是指當債務人（俗稱債仔）無力還債時，透過法律程序確保資產公平並有序地攤分給債權人（債主）。破產可由欠債人或債務人呈請，經法院頒破產令後生效，然後破產管理署署長或合資格人士將成為債務人的破產案受託人，處理分配資產事宜。<br /><br />聖誕及農曆年等大節日就快來臨，大家可有與家人和摯愛計劃如何一起歡度佳節？<br /><br />破產後果是當事人不能從事特定職業，例如律師、保險、地產和證券商或有限公司董事。<br /><br />虛擬銀行迎新優惠虛擬銀行存款利率比較虛擬銀行銀扣賬�?/ 信用卡虛擬銀行貸款<br /><br />財務公司貸款的實際利率則普遍比銀行高得多，信貸評分對實際年利率丁利息支出的影響更加明顯：<br /><br /><br /><br />利息是指借款人為取得資金使用權而向貸款人支付的報酬，它是資本（即貸出的本金）在一定期間內的使用價格。在民法中，利息是本金的法定孳息。<br /><br />Our on-line forms are simple to complete through the comfort and ease of your personal dwelling and may be done in minutes. Upcoming Day Immediate Deposit<br /><br />破產後借錢是否犯法�?<br /><br />香港銀行及財務機構提供「私人貸款（private loan，簡稱P loan）」之中，以分期貸款最為流行。分期貸款亦借款人提取貸款後，按雙方協議的年利率及還款期，每月定額還款。<br /><br />其中最普遍的手法是在核准貸款時，收取高額手續費，更為危險的詐騙業者還會以律師費、諮詢費等名目，向貸款人提出分期匯款的要求。<br /><br />什麼是現貨交易�?現貨交易是指在不使用槓桿或其他衍生工具的情況下，直接進行 加密貨幣 的買賣。這意味著交易者在完成交易後，立即擁有所購買�?加密貨幣資產 。與其他複雜的交易形式相比，如期貨交易或保證金交易，現貨交易的操作相對簡單且直接。加密貨幣的所有權在市場參與者之間進行轉移，通常不涉及中間人的干預。這種直接擁有資產的特性，對於那些希望長期持有加密貨幣並從中獲利的投資者來說，尤其具有吸引力。現貨交易的重點在於它的透明度和簡單性，適合那些希望以最少風險參與加密貨幣市場的初學者。<br /><br />不同銀行、民間貸款機構，會提供的貸款資訊及利率都不一樣，身為消費者的我們應該在下決定前，多多詢問不同的商家方案，或是直接尋找貸款代辦公司的協助，為自己找到合適的貸款選擇。<br /><br />A lot of industrial loans or limited-time period loans are With this class. As opposed to the primary calculation, that's amortized with payments unfold uniformly over their lifetimes, these loans have one, large lump sum due at maturity.<br /><br />Acceptance letter that features proof of payment for tuition deposit Printout through the Registrar’s Place of work Web page with particulars confirming your enrolment<br /><br />當債務數疊數至無力償還時，有些人或會不假思索選擇破產，但破產紀錄會對日後生活帶來非常大的影響，無疑是欠款人最後的選擇。所以若尚有其他解決的辦法，欠款人應優先考慮其他還款計劃，例如債務重組、債務舒緩，或是銀行及財務機構推出的結餘轉戶計劃，免卻承擔破產帶來的影響及後果。<br /><br />It had been less complicated than I imagined getting a lender with credit score problems up to now, however you did it. Thank both you and your team to your support.<br /><br />如還款期不足一年，亦以一年期計算。特選中銀客戶為「中銀私人財富客戶」及特選客戶群。<br /><br />We’ve observed you might not be using the newest browser. For a far better Internet site working experience and bigger on-line protection, please upgrade your browser, or pay a visit to us using your sensible cellphone or tablet application.<br /><br />請協助改善這篇條目，更進一步的訊息可能會在討論頁或擴充請求中找到。請在擴充條目後將此模板移除。<br /><br />A loan expression is the duration of your loan, provided that essential minimum payments are created monthly. The term of the loan can have an impact on the structure of the loan in numerous ways.<br /><br />In the event that any of your phrases contained herein conflict Using the conditions of use or other phrases and rules contained within any this kind of website, then the terms of use as well as other phrases and guidelines for these kinds of website shall prevail. Thanks for checking out Continue to third party Web site Commence Your browser is outdated<br /><br />實際年利率乃根據香港銀行公會所載的有關指引計算。實際年利率是壹個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。<br /><br />合資格全新客戶按照貸款合約依時進行指定的首兩期還款後，方可領取此獎賞。<br /><br />Tenku celebrates the perfect in impartial journalism. Throughout the online articles we publish, we share our opinions and feelings on the assorted troubles that the globe is struggling with at the moment.<br /><br />Jordan Tarver has spent 7 many years masking home loan, individual loan and company loan information for primary economical publications such as Forbes Advisor. He blends awareness from his bachelor's diploma in organization finance, his experience to be a best perf...<br /><br />立即開始交易 嘗試免費模擬 瞭解獎金和推廣活動！ 需要幫助嗎？<br /><br />除了信貸評分外，向哪一類貸款機構借錢，對私人貸款是否低息及易批亦有莫大影響。<br /><br />為方便進行評估，客戶可參考載於銀行網站的「私人貸款常見問題」的範例。<br /><br />申請破產影響深遠，若你債務甚多無法償還，可考慮申請結餘轉戶私人貸款，助你整合各債務，更可節省更多利息。<br /><br />加密領域 不乏令人興奮的可能性。對於對加密貨幣感興趣的人來說，巨大回報的潛力可能非常誘人。但是，如果有一種方法可以放大您在市場上的收益（或損失）呢？保證金交易和槓桿是強大的工具，可以增加您的回報，但也會放大您的風險�?對利用槓桿交易加密貨幣時放大收益的潛力感到好奇嗎？本綜合指南將為您提供了解加密貨幣交易背景下的保證金和槓桿的知識。我們將深入研究核心概念，探討潛在的收益和風險，並引導您完成保證金交易是否適合您的決策過程。<br /><br />上述產品及服務受條款及細則約束。詳情請參閱相關宣傳品或向中銀香港職員查詢。<br /><br />客戶需自行支付使用�?或下載中銀香港流動應用程式所產生的相關數據費用。<br /><br />閱讀完本篇文章後，你是否也對線上借款平台推薦及挑選方法，有了更深入的了解呢？<br /><br />^電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。<br /><br />To view this video clip be sure to empower JavaScript, and contemplate upgrading to an online browser that supports HTML5 online video<br /><br />明白你想盡快借錢／借貸，請你等候一至兩日，我地會盡快處理你既貸款申請。<br /><br />不得從事某些行業，如律師、產業代理、保險代理和證券交易商或有限公司的董事。<br /><br />Consider our cost-free demo account before you open up a real investing account to investigate our intuitive buying and selling System and improve your techniques.<br /><br />理財型房貸能夠擁有增貸（能動用還款後的本金）的特質；但不同於一般房屋增貸是以單次貸款來約定一次性、長期的貸款利率與還款計畫，理財型房貸又多出了「動用後才按日計息」的特色。<br /><br />Encounter the ease of HDFC Financial institution Personal Loan �?your supreme Resolution for all financial requirements.No matter if It really is prepared gatherings like weddings, holidays, residence renovations, or surprising emergencies like clinical strategies, our Personal Loan makes daily life a lot easier.<br /><br />近年來隨著網路科技的發展，線上借款平台如雨後春筍般冒出，相較傳統銀行貸款，線上借款為民眾提供更快速、便利的借貸服務，而如果你正在尋找推薦的借錢平台，那就一定要看完本文！<br /><br />Fast Loan Immediate highlights the significance of an emergency fund and fast monetary options for quick desires.<br /><br />Fund.com is compensated by the affiliates on This great site. The looks and buy of providers showing up on This page is predicated on a mix of aspects, which includes affiliate compensation and consumer conversion costs. Fund.com just isn't paid to specially rank corporations in any particular situation or order. The knowledge contained in Fund.<br /><br />The lender will likely validate your deposit and cash for closing. The underwriting agent will affirm the supply of significant deposits in the account and make sure you have income reserves.<br /><br />私人分期貸款怎樣運作�?expand_more 私人分期貸款是指借貸人士可以根據貸款額每月以固定金額還款，而利率是按借貸人士選擇的貸款額和還款期而計算的。當你清還最後一期款項後，如果仍需要借錢，便要向銀行作出第二次申請。<br /><br />但其實我們只要稍加仔細想想便會知道，如果對方的貸款及服務真的很不錯的話，怎麼還會需要利用這樣的手法行銷，讓別人尋找這樣聽都沒聽過的貸款公司諮詢貸款服務呢，是吧？<br /><br />You may also want to possess a residence inspector Examine the home before you decide to go ahead with the purchase. Some mortgages, like FHA loans, require the borrower to get a house inspection.<br /><br />實際年利率乃根據香港銀行公會所載的有關指引計算。實際年利率是壹個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。<br /><br />^電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。<br /><br />You use or observe this website link at your very own possibility. To the extent permissible by regulation, the Financial institution shall not be answerable for any damage or losses incurred or endured by you arising outside of or in reference to your use in the url.<br /><br />You utilize or stick to this hyperlink at your very own hazard. Into the extent permissible by law, the Financial institution shall not be accountable for any destruction or losses incurred or experienced by you arising outside of or in reference to your use of your hyperlink.<br /><br />How does this loan calculator perform? How can this loan calculator get the job done? Our loan calculator asks you for information about several essential items and afterwards works by using those to workout just how much you might expect to pay every month and simply how much you can borrow.<br /><br />In case any from the phrases contained herein conflict With all the phrases of use or other conditions and pointers contained within any this sort of Site, then the terms of use and also other terms and suggestions for these types of Internet site shall prevail. Thanks for browsing Proceed to third party Web-site Carry on Your browser is out-of-date<br /><br />這裡可以很肯定的告訴你，只要避開非法經營的貸款公司，這些杞人憂天通通不會發生！<br /><br />The Financial institution doesn't have any Management (editorial or otherwise) above the connected 3rd party Web site and isn't in almost any way responsible for the contents readily available therein.<br /><br />瀏覽人士使用中銀香港流動應用程式即表示同意中銀香港於流動應用程式不時所載之免責聲明及政策。<br /><br />這是計算貸款利率加上手續費及優惠等因素後，轉化而成的一個參考年利率，能準確反映實際的借貸成本。由於實際年利率是由金管局指標所訂，是市場上公認客觀的計息方法，因此，當您想借低息貸款時，可比較不同銀行的貸款產品之實際年利率。<br /><br />根據網路各種討論區的分享，很多網友都會詢問關於小額貸款的方案，原因不外乎是出車禍需要賠償、家人生病需要醫療費等突發事件，又或是大一點的借貸額度來周轉生意。<br /><br />理論上，因現時無法例規定貸款機構不可以借錢予已破產人士，所以他們最後如批出貸款，亦是商業決定，並無犯法。但現實操作上，銀行及財務公司會因應風險管理，都有一套守則，甚少會借貸予破產人士。<br /><br />實際年利率乃根據香港銀行公會所載的有關指引計算。實際年利率是壹個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。<br /><br />不用。因為一對夫婦合法結婚並不意味著他們都必須同時申請破產。如果債務只在其中一個配偶的名下，就只而需要負債的一方申請破產。<br /><br />但如果放款機構非法設立或有惡意企圖，可能會在合約中設下陷阱，所以記得在簽訂任何合約前，務必仔細閱讀合約內容，避免掉入陷阱，造成爭議和麻煩。<br /><br />This can be to tell that by clicking on the hyperlink, you can be leaving sc.com/cn/en and getting into an internet site operated by other parties: These kinds of inbound links are only offered on our Web page to the usefulness with the Client and Standard Chartered Lender doesn't Manage or endorse these types of Sites, and isn't liable for their contents. The usage of these types of Internet site can be issue into the conditions of use and other conditions and guidelines, if any, contained inside Just about every these kinds of Site.<br /><br />許多人尋找線上貸款的原因，幾乎都是需要處理突發性狀況，像是車禍、家人生病，也有人選擇線上貸款是因為急需生意周轉金，這時就非常需要快速且適合利率的貸款機構提供服務。<br /><br />申請私人貸款時，最多人關注實際年利率的高低，但其他從貸款所衍生的費用亦不可忽視。常見的費用包括行政費及手續費、提前還款費用、逾期還款費等，好好了解清楚收費才申請貸款，避免大失預算。<br /><br />复利：复利其实就是利滚利，即把上一期的本金和利息作为下一期的本金来计算利息。<br /><br />破產程序開始，欠債人必須準備及提交其債務及收入資料，並草擬破產呈請之文件。<br /><br />所有經此申請渠道申請的分期貸款，只提供非紙張形式條款及細則，如有需要可到分行索取有關資料的紙質版本。<br /><br />This really is to inform that by clicking around the hyperlink, you may be leaving&nbsp;&nbsp;and entering a website operated by other functions:<br /><br />立即開始交易 嘗試免費模擬 瞭解獎金和推廣活動！ 需要幫助嗎？<br /><br />高級公務員、醫生、社工、教師等薪高糧準、重視操守及穩定性高的職業，往往被銀行視為優質客戶，並相信他們借取私人貸款後，比較大機會能準時還款，每每能向他們批出不俗的貸款利率（當然個別申請人的信貸評級亦是主要考慮因素），甚至推出專門為他們而設的貸款優惠。此外，銀行亦會為員工提供專屬優惠貸款計劃。借錢時，可留意是否有適合您職業的貸款優惠。<br /><br />破產人毋須再為巨債擔心，錢債官司會停頓、民事訴訟的討債行動亦會因破產條例遭凍結，即時舒緩破產人因無力還款而承擔的精神壓力。<br /><br />在過去的十年中，加密貨幣變得越來越流行�?比特�?�?以太�?和其他山寨幣等加密資產已獲得廣泛採用和認可。然而，加密市場以高度波動而聞名。話雖如此，交易並不是您在加密貨幣世界中賺取收入的唯一方式。現在，市場參與者能夠以相對較少的努力賺取被動收入�?什麼是被動收入�?被動收入 絕不是一個新概念。長期以來，金融業一直在提供不同的賺取被動收入的方法。例如，使用儲蓄帳戶，用戶只需將資金存入其帳戶即可賺取利息。在加密貨幣市場中，有許多工具可以讓參與者以類似的方式賺取被動收入。這是一種在個人很少參與的情況下產生回報的策略，有時它就像將你的加密貨幣在交易所鎖定特定的時間一樣簡單。<br /><br />由此可見，想借低息私人貸款，並確保申請過程順利，最佳方法是維持良好信貸記錄，並選擇用銀行作為您的貸款機構。<br /><br />正所謂「人有三衰六旺」，每個人在財務上總會有順境及逆境，而在逆境時往往需要以借貸度過難關。「有借有還真君子」，借錢並不一定是負面的事，只要借貸得宜、依約還款，除了能解決突發的周轉問題，更可建立自己的信譽（如信貸評分）。在本港，正當的借錢途徑有很多，各有好處與壞處，以下為大家略作探討。<br /><br />主演：克里斯·海姆斯沃�?娜塔莉·波特曼,湯姆·希德勒斯�?安東尼·霍普金�?斯特蘭·斯卡斯加德,凱特·戴琳�?克拉克·格雷格,科魯姆·費奧瑞,伊德瑞斯·艾爾�?雷·史蒂文�?淺野忠信,喬希·達拉�?傑米·亞歷山大,蕾妮·羅素,艾德里安娜·巴拉扎,馬克斯米利亞諾·赫爾南德斯,傑瑞米·雷�?塞繆爾·傑克遜,達科塔·高�?泰德·沃普萊斯,斯坦·李<br /><br />申請破產絕非小事，必須慎重考慮。欠債人可從以下三個角度作考量，以衡量是否申請。<br /><br />This break is simply offered At the beginning of one's loan.This crack is barely accessible Initially of the loan. When your application for this selection is effective, then the first payment will be taken the third month following the difficulty of your loan.If your software for this selection is productive, then the main payment can be taken the third thirty day period following the concern with the loan. Desire will probably be billed in the course of the payment crack and also your overall loan time period will probably be prolonged by two months, which implies that you will fork out an extra two months' desire.<br /><br />破產程序開始，欠債人必須準備及提交其債務及收入資料，並草擬破產呈請之文件。<br /><br />Using this kind of Web page can be subject matter to the terms of use as well as other phrases and guidelines, if any, contained inside Every such Web page.<br /><br />How are loan repayments calculated? How are loan repayments calculated? <a href="https://ploan.top/">借錢還卡數</a> out just how much desire you could potentially pay out Over-all, by checking out things like the APR (Once-a-year Share Charge) and how long the loan is for. It also lets you know simply how much you could need to shell out back every month, so that you can exercise if it’s cost-effective as portion within your existing spending plan.<br /><br />破產是一項法律程序。當一名欠債人無力償還債務時，可主動向法院提交破產呈請；而債權人 (亦稱債主) 亦可向法院提交呈請，以破產令使欠債人破產。破產的目的，是要收集和變現欠債人的全部資產，並攤分給債權人 (亦稱債主)。<br /><br />撥款使用：簽約完成後，銀行將在指定時間內將貸款資金撥入申請人指定的帳戶中。<br /><br />Jordan Tarver has put in 7 several years masking house loan, personal loan and organization loan content material for leading money publications including Forbes Advisor. He blends know-how from his bachelor's degree in company finance, his expertise as a leading perf...<br /><br />虛擬銀行迎新優惠虛擬銀行存款利率比較虛擬銀行銀扣賬�?/ 信用卡虛擬銀行貸款<br /><br />申請私人貸款的必備「三寶」包括身份證、住址證明及入息證明。我們宜養成妥善保管這些文件的好習慣，對申請私人貸款、按揭、信用卡及的處理其他個人財務事宜無往而不利。自僱人士或自由工作者，可用強積金供款、銀行月結單、稅單等文件作為入息證明，尤以稅單最易被貸款機構信納，因此有貸款需求的人士，記得妥善地申報入息及交稅。<br /><br /><br /><br />不少人在遇到突發現金需要時，都會用信用卡提取現金，這的確是一個快捷的周轉方法。不過眾所周知，信用卡現金利息特高且逐天計算，更有手續費等額外費用，而每天提款額亦有限制，它絕非最佳的借錢方式。<br /><br />申請私人貸款時，最多人關注的指標是貸款實際年利率，除此以外，還款期、最高貸款額、手續費、回贈優惠等，均影響借款人的最終借貸成本，借錢時不可忽視這些因素。<br /><br />破產人或許不能在某些行業執業，例如律師、地產代理、證券交易商或出任有限公司的董事。破產人應該諮詢有關專業團體，求取進一步的資料。<br /><br />Your every month loan instalment are going to be automatically debited out of your checking account with a date you selected at time of software<br /><br />Jordan Tarver has used 7 yrs covering house loan, individual loan and organization loan content for primary financial publications for instance Forbes Advisor. He blends awareness from his bachelor's degree in organization finance, his working experience for a major perf...<br /><br />Many thanks for serving to us look for a home equity loan without having building us refinance our home finance loan. We received the income we needed, and we recognize you.<br /><br />This is often to inform that by clicking about the hyperlink, you will end up leaving sc.com/cn/en and getting into a web site operated by other functions: This sort of backlinks are only furnished on our Internet site to the ease with the Shopper and Regular Chartered Financial institution isn't going to Handle or endorse this sort of Internet websites, and is not liable for their contents. The use of such Web site can be subject on the terms of use and also other terms and rules, if any, contained in Just about every this sort of website.<br /><br />Lenders use your Social Security amount to verify your id. Moving into a valid amount is vital, as unverifiable info will bring about rejection. What is going to my SSN be employed for?<br /><br />在分配完畢後，免除債務人的剩餘的債務，債務人還有機會讓生活回歸正軌。<br /><br />For more specific steering on safeguarding your SSN and how to proceed in case you suspect a fraud, check with the SSA's official resources. Lender FAQ's<br /><br />Traditional loans enable you to borrow nearly a particular amount of money that has a credit rating score of 620 or increased. You will need to have a down payment of at the very least 3%.<br /><br />由於使用土地作為貸款抵押品，銀行所需負擔的風險較小，因此有著利率較低、額度較高的好處。<br /><br />Available repayment periods You can make an application for a loan expression from 12 to one hundred twenty months with regards to the loan amount of money and purpose. Just understand that the most repayment period might be decrease for selected loan applications.<br /><br />Several different components determine the current mortgage loan costs, like economic indicators for example inflation and unemployment and also actions via the Federal Reserve. The prices alter each day, which is why most lenders put up these days’s property finance loan premiums on their own homepages.<br /><br />身在數位世代的我們，在尋找餐廳、商品或服務時，都會習慣先上網查詢評價。<br /><br />Grow your request to incorporate more money selections that specialise in consolidating unsecured personal debt.<br /><br />Capability—actions a borrower's power to repay a loan employing a ratio to check their debt to income<br /><br />Lenders also look at the loan-to-price ratio (LTV) when analyzing home loan rates. This amount signifies the amount you'll borrow in comparison to the value of your property. The LTV should be less than 80% for the bottom mortgage loan premiums.<br /><br />在辦理貸款時，任誰都不希望遇上不肖的貸款業者，掉入不同形式的陷阱當中，因此文章最後也與大家分享，究竟有哪些常見的線上借款陷阱！<br /><br />Lenders make use of your Social Security variety to confirm your id. Moving into a valid selection is critical, as unverifiable facts will bring about rejection. What will my SSN be utilized for?<br /><br />If borrowers never repay unsecured loans, lenders could hire a collection agency. Assortment organizations are providers that recover funds for earlier because of payments or accounts in default.<br /><br />Acquiring many debts can be a be concerned, but there are methods to deal with your credit card debt and continue to be on top of your finances. Personal debt consolidation<br /><br />如欠債金額不算太大，你其實可以考慮針對還清卡數的結餘轉戶貸�?，減省卡數利息，將債務慢慢攤還，令每月供款額減低。<br /><br />申請破產屬於個人債務，配偶不用承擔破產人的債務，因此不會對配偶的生活構成重大影響。但如果所欠的債務是與配偶聯名的，或者由配偶擔保，配偶就要承擔還債責任。另外，若破產人和配偶有聯名物業，物業會被凍結，並由破產管理署或破產受託人接手。<br /><br />