個案一
姓別:男(35歲) 職業:高級消防隊目 月入:$53,000
選擇DRP原因:
- 擁有兩個物業單位,總正資產值約百餘萬。(由於正資產值太大,若進行IVA申請,債權人會要求賣樓。)
- 其多數債權人願意接納DRP。
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $61,586 | $2,155 | $1,292 | 72 |
B | $39,994 | $1,999 | $555 | 72 |
C | $44,532 | $2,226 | $1,031 | 60 |
D | $14,321 | $716 | $298 | 48 |
E | $8,930 | $446 | $148 | 60 |
F | $134,860 | $6,743 | $3,888 | 48 |
G | $207,894 | $8,315 | $3,464 | 60 |
H | $312,880 | $15,644 | $6,518 | 48 |
I | $75,796 | $3,031 | $1,755 | 60 |
J | $253,817 | $10,152 | $4,230 | 60 |
K | $48,333 | $2,416 | 削債至$40,000(一次過付清) | |
L | $27,890 | $1,394 | $464 | 60 |
M | $22,893 | $1,114 | $381 | 60 |
N | $48,672 | $3,988 | $1,987 | 48 |
O | $59,875 | $2,993 | $712 | 84 |
總數: | $1,362,273 | $63,332 | $26,723 |
個案二
姓別:女(29歲) 職業:傳銷 月入:$14,000
選擇DRP原因:
- 擁有一個物業單位,總正資產值約三十萬。(由於正資產值太大,若進行IVA申請,債權人會要求賣樓。)
- 其多數債權人願意接納DRP。
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $4,851 | $242 | 削債至$3,000(一次過付清) | |
B | $21,889 | $1,094 | $750 | 36 |
C | $35,689 | $1,784 | $1,091 | 35 |
D | $48,755 | $1,462 | $812 | 60 |
E | $67,492 | $3,374 | $1,563 | 60 |
F | $89,555 | $3,582 | $1,066 | 84 |
G | $19,764 | $1,500 | $549 | 36 |
H | $38,641 | $1,932 | $1,347 | 36 |
總數: | $326,636 | $14,970 | $7,178 |
個案三
姓別:男(36歲) 職業:有限公司董事 月入:$23, 800
選擇DRP原因:
- 公司盈利不穩定
- 其多數債權人願意接納DRP。
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $41,378 | $2,070 | $1,275 | 48 |
B | $94,396 | $7,131 | $2,075 | 72 |
C | $25,413 | $2,695 | $1,168 | 24 |
D | $29,839 | $1,754 | $1,482 | 24 |
E | $67,621 | $1,980 | $1,465 | 60 |
F | $36,303 | $5,872 | $912 | 48 |
G | $104,752 | $3,539 | $2,815 | 60 |
H | $73,033 | $2,834 | $1,531 | 60 |
I | $66,332 | $2,972 | $1,494 | 60 |
J | $217,059 | $11,939 | $5,150 | 60 |
K | $24,449 | $1,223 | $535 | 84 |
總數: | $780,575 | $44,009 | $19,902 |
個案四
姓別:男(48歲) 職業:巿場推廣經理 月入:$14, 000
選擇DRP原因:
- 個人意願。
- 其多數債權人願意接納DRP。
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $38,762 | $2,253 | $1,195 | 48 |
B | $34,505 | $4,128 | $867 | 48 |
C | $36,769 | $1,470 | $851 | 60 |
D | $48,969 | $2,492 | $1,315 | 60 |
E | $254,409 | $8,313 | $3,744 | 96 |
F | $35,692 | $1,051 | $848 | 60 |
G | $105,680 | $4,580 | $2,314 | 84 |
總數: | $554,786 | $24,287 | $11,134 |
個案五
姓別:男(26歲)/女(24歲) 職業:股票經紀/物流主任 月入:$11,000/$27,800
選擇DRP原因:
- 申請人在金管局轄下管理的機構任職。
- 其多數債權人願意接納DRP。
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $48,692 | $2,434 | $1,223 | 48 |
B | $65,411 | $3,270 | $1,090 | 60 |
C | $89,654 | $4,482 | $1,245 | 72 |
D | $7,316 | $365 | $479 | 18 |
E | $43,832 | $2,181 | $1,826 | 24 |
F | $23,566 | $1,178 | $392 | 60 |
G | $89,746 | $4,487 | $2,827 | 40 |
H | $62,394 | $3,119 | $1,568 | 48 |
I | $35,687 | $1,784 | $1,134 | 36 |
J | $48,563 | $2,428 | $1,737 | 36 |
K | $22,396 | $1,119 | $373 | 60 |
L | $23,814 | $1,190 | $756 | 36 |
M | $87,936 | $4,396 | $1,221 | 72 |
N | $67,877 | $3,393 | $2,367 | 36 |
O | $19,864 | $1,800 | $827 | 24 |
總數: | $736,748 | $37,626 | $19,065 |
個案六
姓別:男(47歲) 職業:警署文員 月入:$14, 330
選擇DRP原因:
- 因欠供款四期,代名人撤銷其IVA申請
銀行 | 欠債 | DRP後供款 | 期數 |
A | $22,225 | $1,000 | 24 |
B | $14,462 | $766 | 20 |
C | $7,550 | $300 | 28 |
D | $18,064 | $574 | 40 |
E | $12,711 | $500 | 29 |
F | $11,356 | $550 | 24 |
G | $22,961 | $837 | 30 |
H | $20,366 | $800 | 26 |
I | $23,497 | $800 | 36 |
J | $22,998 | $1,300 | 24 |
總數: | $176,190 | $7,427 |
個案七
姓別:女(48歲) 職業:銀行 月入:$29, 000
選擇DRP原因:
- 銀行職員申請IVA必須通知僱主
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $84,272 | $3,338 | $2,005 | 60 |
B | $294,806 | $11,793 | $6,181 | 60 |
C | $147,360 | $3,000 | $3,502 | 60 |
D | $65,796 | $1,936 | $1,563 | 60 |
總數: | $592,234 | $20,067 | $13,251 |
個案八
姓別:男(42歲) 職業:水務署 月入:$27,290
選擇DRP原因:
- 個人意願
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $67,158 | $2,051 | $1,188 | 72 |
B | $70,656 | $3,425 | $2,045 | 43 |
C | $21,488 | $1,074 | $1,050 | 24 |
D | $86,898 | $4,346 | $2,184 | 48 |
E | $30,335 | $1,516 | $763 | 60 |
F | $74,000 | $3,360 | $3,360 | 要求不作重組 |
G | $150,000 | $13,712 | $13,712 | |
總數: | $500,535 | $29,484 | $24,302 |
個案九
姓別:男(42歲) 職業:水務署 月入:$27,290
選擇DRP原因:
- 個人意願
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $9,811 | $587 | $273 | 48 |
B | $28,703 | $1,435 | $642 | 72 |
C | $13,588 | $679 | $322 | 60 |
D | $39,362 | $2,000 | $1,620 | 55 |
E | $250,000 | $5,500 | $5,500 | 要求不作重組 |
總數: | $341,464 | $10,201 | $8,357 |
個案十
姓別:女(54歲) 職業:健美中心女工 月入:$7,000
選擇DRP原因:
- 債權人數目少於三個
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $84,904 | $3,380 | $2,063 | 54 |
B | $60,705 | $2,218 | $1,406 | 60 |
總數: | $145,609 | $5,598 | $3,469 |
個案十一
姓別:男(42歲) 職業:銀行職員 月入:$7,080
選擇DRP原因:
- 欠債銀碼不超過HK$100,000
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $21,709 | $1,308 | $625 | 36 |
B | $58,877 | $2,355 | $1,436 | 42 |
總數: | $80,586 | $3,663 | $2,061 |
個案十二
姓別:男(24歲) 職業:文員 月入:$6,500
選擇DRP原因:
- 與姐姐聯名居屋為正資產物業
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $8,115 | $1,700 | $766 | 12 |
B | $22,048 | $1,334 | $752 | 39 |
C | $45,000 | $2,000 | $2,000 | 要求不作重組 |
總數: | $75,163 | $5,034 | $3,518 |
個案十三
姓別:女(45歲) 職業:收銀員 月入:$3,000
選擇DRP原因:
- 欠債銀碼不超過 HK$100,000
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $60,960 | $3,790 | $1,270 | 48 |
總數: | $60,960 | $3,790 | $1,270 |
個案十四
姓別:女(25歲) 職業:採購文員 月入:$8,500
選擇DRP原因:
- 債權人數目少於三個
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $114,684 | $7,832 | $3,430 | 48 |
總數: | $114,684 | $7,832 | $3,430 |
個案十五
姓別:男(39歲)/女(25歲) 職業:餐廳水吧/百貨直鎖員 月入:$10,000/$6,000
選擇DRP原因:
- 債權人數目少於三個
銀行 | 欠債 | 每月最低還款 | DRP後供款 | 期數 |
---|---|---|---|---|
A | $110,971 | $5,212 | $2,370 | 48 |
B | $81,392 | $4,637 | $2,140 | 72 |
總數: | $192,363 | $9,849 | $4,510 |