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  1. The following table summarizes the pros and cons of IVA and DRP: IVA. DRP. Pros. Compared to bankruptcy: Less impact on personal reputation. Lower interest rate, thus reducing debt burden. Applicants can keep bank accounts.

  2. The above monthly repayment amount calculation is based on the assumption of annual interest rate of 4.40% - 25.60%. The repayment amount and repayment period shown on the Personal Loan & Interest Calculator are for reference only. The approval of loan is subject to the final and absolute discretion of Promise (Hong Kong) Co., Limited.

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