本帖最後由 俾心機 於 12-3-2014 16:17 編輯
方案定下來了。心也定下來了。
No. of Instalments 78
Interest rate per annum 7.0%
IVA implementation fee $300.00
Monthly contribution to Creditors $10,579.00
Monthly contribution $10,879.00
Name of Creditor 亞聯酋 人人 身痕bank
Money Owed 124,611.00 490,307.00 46,478.07
Ratio(per debt value) 18.84% 74.13% 7.03%
Monthly Repayment 1993.15 7842.44 743.41
Amount Repaid in 78 instalments at 7.0% interest 155,465.70 611,710.32 57985.98
Total Interest Amount 30,854.70 121403.32 11507.91
律師樓話提早還可以免除餘下利息,當我一年半後我可以還到身痕條數,咁我每會供款額係咪都要維持返現在水平?定係會扣除o左身條數?
同埋佢話應該會每年review 一次,o個日上律師樓,佢就話如果加到5% 薪金,咁可能會上調還款金額。係咪一定係上調o架?
|