THE 債務舒緩與重組 DIARIES

結餘轉戶計劃，是銀行或財務公司的貸款產品，主要用作集中清還債務之用。借貸機構會批出較低息的新借貸計劃，助欠債人償還原有較高息的債務。透過償還高息債務，你的信貸評級也可受較少影響。然而，債務重組也有一些限制和缺點。例如，它可能需要長時�

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