Clear my loan

2007-01-22 6:42 am
My salary around $12,500 and my loan around $240,000 (include credit card, personal loan & some free interest instal.) How i can clear my loan within 4-5 years, I already try Citibank&安信都唔得. If i transfer my free interest instal to other bank, it's seems very stupid?? Any advice??

回答 (4)

2007-01-22 10:19 pm
✔ 最佳答案
以你既情況,現時可以做既係靜下來定一定神,再決定點解決現時既困境;

首先,citi finaxxx乃現時吸客最急既財務機構,而Prime Credxx則為比較易批核既機構,兩者都唔批俾你,應該可以得知你既信貸評分唔會太好,可能係因為遲還款或者收入債項比例高有關;

結論: 唔好再申請任何結餘轉戶,你既任何申請只會百害而無一利;

其次,一萬二千五收入都要知道你既能力供款,當然能力供款越高,可行既方案越多;
計算自己每月基本開支,包括水/電/煤/租/食/車/家用等等;

結論:你既情況主要都係向重組方向行,問題係重組都有好多分類,要知道你既債項組合才可知可行既方案及預算每月還款;

如果真係要五年還清,預算要約五千元一個每月左右,當然其數可以更長,而還款額都要睇到你既實際數字先會更準確;

如有任何問題都可透過電郵聯絡我,並請你提供...債項組合及每間銀行結欠數字給我作預算;

THAANKS & GOOD LUCK
參考: 每天工作
2007-01-31 7:31 am
You can try to call HK Mortgage. The consultant can help you to clear your loan. My fds has clear his loan already.
www.hk-mortgage.com 3593 8818
2007-01-22 9:56 pm
你已無得救了,預備破產啦
2007-01-22 9:21 am
本人係Financial Consultant Executive,專門解決一切財務問題
及為客人提供專業財務分析
如有任何查詢及想了解詳情,可以打6706 6715梁生
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