保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。 An IVA needs to be create by a professional man or woman, called an insolvency practitioner. The insolvency practitioner will charge service fees to the IVA. 一般銀行只要求債務人變賣可套現資產物業，以減輕欠債額。現時大部份負資產人士及需補地價之業主，其物業都不會受影響。 Somebody voluntary arrangem... https://drp22221.bloggerbags.com/34882434/the-definitive-guide-to-債務重組邊間好-hkiva-top