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1. www.promise.com.hk › knowledge-on-personal-loan › overview-iva-drp面對卡數，債務重組或破產二揀一？邦民低息結餘轉戶貸款令你人生 ...

   www.promise.com.hk › knowledge-on-personal-loan › overview-iva-drp

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   當卡數利息數疊數至無力償還時，有些人會迫於無奈選擇破產，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卡數的辦法，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，本文就為大家分析它們的好處與壞處。 甚麼是「債務重組」和「債務舒緩」？ 債務重組，又稱為個人自願安排（Individual Voluntary Arrangement,IVA），當申請人無法按原本債務條款還清債務時，可委託會計師或律師作為代理人，向法院申請債務重組，希望與債權人重新訂立一個新的還款計劃，多數是減低原有債務的利息、延長還款年期等，使申請人能夠負擔債務。 債務重組適合欠債額超過月薪十多倍且面臨破產的人士。

2. www.promise.com.hk › en › about-usInformation | Promise HK

   www.promise.com.hk › en › about-us

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   2023年12月1日 · About Promise. Since its establishment as a licensed money lender in Hong Kong from 1992, Promise continues to provide convenient financial services to its customers. We put our customers first, providing flexible and trustworthy personal loan solutions to help them relieve their cash flow needs anytime and anywhere.

3. www.promise.com.hk › en › contact-usContact Us | Branch Location | Promise HK

   www.promise.com.hk › en › contact-us

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   Contact Us. Customers are welcome to contact us through the following channels. New Applicant Hotline. 24-hour Member Hotline. Our Branches. Online Enquiry. Promise’s branches are all over Hong Kong, including Causeway Bay, Mong Kok, Kwun Tong, etc. Find your local branch now. Call our hotline at 31991199 or apply online.

4. www.promise.com.hk › en › newsLatest News | Promise HK

   www.promise.com.hk › en › news

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   2023年9月1日 · Latest Update. 2024.03.14. Notice on Suspension of services due to system upgrade. In order to enhance our services, Promise (Hong Kong) Co., Ltd. will conduct system upgrade from 00:30 am to 07:30 am on Saturday 30 March 2024 (Hong Kong Time) and the following services will be suspended during this period: Signing Loan Agreement.

5. www.promise.com.hk › en › why-promiseAbout Promise | Promise HK

   www.promise.com.hk › en › why-promise

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   Promise is a well-known and trusted loan provider in Hong Kong. Apply online and get approved now!

6. www.promise.com.hk › en › knowledge-on-personal-loanIVA or bankruptcy? Promise offers you another way out – Debt ...

   www.promise.com.hk › en › knowledge-on-personal-loan

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   Debt Relief Planning (DRP) is a simple version of IVA. The main difference is that DRP does not involve application to the Court. Banks or financial institutions can directly negotiate with creditors and form new repayment plans that are acceptable to both parties. The new plans will help applicants to pay off their debts.

7. www.promise.com.hk › en › knowledge-on-personal-loanCommon Misconceptions | Promise HK

   www.promise.com.hk › en › knowledge-on-personal-loan

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   Common Misconceptions about Loans Some people think that they are not eligible to apply for a loan with credit card debt or an existing loan, but that is not the case! As long as you have a good repayment record and credit score, you can still get a loan approved.