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DRP債務舒緩計劃 (Debt Relief Planning)簡介
債務舒緩計劃(DRP)是債務重組其中之一種方法,與個別的債權人直接洽談新的還款方案,使欠債人避免破產而能在新的還款方法下還款(定息定額),減輕每月供款負擔,及在指定之年期間還清債項。
坊間一些顧問公司聲稱可以成功申請DRP,例如:在某財務公司欠債$50,000, 原本每月還款$2,400,共分36期,經某公司申請DRP後每月還款$1,850共分60期還款。雖然每月還款有輕微下降,但幫助不大,而且利息開支大大增加了很多,因此本公司視這類個案為不成功DRP個案,本公司不建議客人申請。

申請DRP之後的債權人(銀行或財務機構)均會取消信用卡或貸款戶口。

DRP也是重組一種,大部份欠債機構都會將原有戶口轉為重組戶口,亦會影響信貸記錄,所有欠債還款清數後相隔5年才會自動取消記錄。

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個案一
姓別:男(35歲) 職業:高級消防隊目 月入:$53,000
選擇DRP原因:
- 擁有兩個物業單位,總正資產值約百餘萬。(由於正資產值太大,若進行IVA申請,債權人會要求賣樓。)
- 其多數債權人願意接納DRP。
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$61,586 |
$2,155 |
$1,292 |
72 |
B |
$39,994 |
$1,999 |
$555 |
72 |
C |
$44,532 |
$2,226 |
$1,031 |
60 |
D |
$14,321 |
$716 |
$298 |
48 |
E |
$8,930 |
$446 |
$148 |
60 |
F |
$134,860 |
$6,743 |
$3,888 |
48 |
G |
$207,894 |
$8,315 |
$3,464 |
60 |
H |
$312,880 |
$15,644 |
$6,518 |
48 |
I |
$75,796 |
$3,031 |
$1,755 |
60 |
J |
$253,817 |
$10,152 |
$4,230 |
60 |
K |
$48,333 |
$2,416 |
削債至$40,000(一次過付清) |
L |
$27,890 |
$1,394 |
$464 |
60 |
M |
$22,893 |
$1,114 |
$381 |
60 |
N |
$48,672 |
$3,988 |
$1,987 |
48 |
O |
$59,875 |
$2,993 |
$712 |
84 |
總數: |
$1,362,273 |
$63,332 |
$26,723 |
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個案二
姓別:女(29歲) 職業:傳銷 月入:$14,000
選擇DRP原因:
- 擁有一個物業單位,總正資產值約三十萬。(由於正資產值太大,若進行IVA申請,債權人會要求賣樓。)
- 其多數債權人願意接納DRP。
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$4,851 |
$242 |
削債至$3,000(一次過付清) |
B |
$21,889 |
$1,094 |
$750 |
36 |
C |
$35,689 |
$1,784 |
$1,091 |
35 |
D |
$48,755 |
$1,462 |
$812 |
60 |
E |
$67,492 |
$3,374 |
$1,563 |
60 |
F |
$89,555 |
$3,582 |
$1,066 |
84 |
G |
$19,764 |
$1,500 |
$549 |
36 |
H |
$38,641 |
$1,932 |
$1,347 |
36 |
總數: |
$326,636 |
$14,970 |
$7,178 |
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個案三
姓別:男(36歲) 職業:有限公司董事 月入:$23, 800
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$41,378 |
$2,070 |
$1,275 |
48 |
B |
$94,396 |
$7,131 |
$2,075 |
72 |
C |
$25,413 |
$2,695 |
$1,168 |
24 |
D |
$29,839 |
$1,754 |
$1,482 |
24 |
E |
$67,621 |
$1,980 |
$1,465 |
60 |
F |
$36,303 |
$5,872 |
$912 |
48 |
G |
$104,752 |
$3,539 |
$2,815 |
60 |
H |
$73,033 |
$2,834 |
$1,531 |
60 |
I |
$66,332 |
$2,972 |
$1,494 |
60 |
J |
$217,059 |
$11,939 |
$5,150 |
60 |
K |
$24,449 |
$1,223 |
$535 |
84 |
總數: |
$780,575 |
$44,009 |
$19,902 |
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個案四
姓別:男(48歲) 職業:巿場推廣經理 月入:$14, 000
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$38,762 |
$2,253 |
$1,195 |
48 |
B |
$34,505 |
$4,128 |
$867 |
48 |
C |
$36,769 |
$1,470 |
$851 |
60 |
D |
$48,969 |
$2,492 |
$1,315 |
60 |
E |
$254,409 |
$8,313 |
$3,744 |
96 |
F |
$35,692 |
$1,051 |
$848 |
60 |
G |
$105,680 |
$4,580 |
$2,314 |
84 |
總數: |
$554,786 |
$24,287 |
$11,134 |
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個案五
姓別:男(26歲)/女(24歲) 職業:股票經紀/物流主任 月入:$11,000/$27,800
選擇DRP原因:
- 股票經紀申請IVA必須通知僱主。
- 其多數債權人願意接納DRP。
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$48,692 |
$2,434 |
$1,223 |
48 |
B |
$65,411 |
$3,270 |
$1,090 |
60 |
C |
$89,654 |
$4,482 |
$1,245 |
72 |
D |
$7,316 |
$365 |
$479 |
18 |
E |
$43,832 |
$2,181 |
$1,826 |
24 |
F |
$23,566 |
$1,178 |
$392 |
60 |
G |
$89,746 |
$4,487 |
$2,827 |
40 |
H |
$62,394 |
$3,119 |
$1,568 |
48 |
I |
$35,687 |
$1,784 |
$1,134 |
36 |
J |
$48,563 |
$2,428 |
$1,737 |
36 |
K |
$22,396 |
$1,119 |
$373 |
60 |
L |
$23,814 |
$1,190 |
$756 |
36 |
M |
$87,936 |
$4,396 |
$1,221 |
72 |
N |
$67,877 |
$3,393 |
$2,367 |
36 |
O |
$19,864 |
$1,800 |
$827 |
24 |
總數: |
$736,748 |
$37,626 |
$19,065 |
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個案六
姓別:男(47歲) 職業:警署文員 月入:$14, 330
選擇DRP原因:
銀行 |
欠債 |
DRP後供款 |
期數 |
A |
$22,225 |
$1,000 |
24 |
B |
$14,462 |
$766 |
20 |
C |
$7,550 |
$300 |
28 |
D |
$18,064 |
$574 |
40 |
E |
$12,711 |
$500 |
29 |
F |
$11,356 |
$550 |
24 |
G |
$22,961 |
$837 |
30 |
H |
$20,366 |
$800 |
26 |
I |
$23,497 |
$800 |
36 |
J |
$22,998 |
$1,300 |
24 |
總數: |
$176,190 |
$7,427 |
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個案七
姓別:女(48歲) 職業:銀行 月入:$29, 000
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$84,272 |
$3,338 |
$2,005 |
60 |
B |
$294,806 |
$11,793 |
$6,181 |
60 |
C |
$147,360 |
$3,000 |
$3,502 |
60 |
D |
$65,796 |
$1,936 |
$1,563 |
60 |
總數: |
$592,234 |
$20,067 |
$13,251 |
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個案八
姓別:男(42歲) 職業:水務署 月入:$27,290
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$67,158 |
$2,051 |
$1,188 |
72 |
B |
$70,656 |
$3,425 |
$2,045 |
43 |
C |
$21,488 |
$1,074 |
$1,050 |
24 |
D |
$86,898 |
$4,346 |
$2,184 |
48 |
E |
$30,335 |
$1,516 |
$763 |
60 |
F |
$74,000 |
$3,360 |
$3,360 |
要求不作重組 |
G |
$150,000 |
$13,712 |
$13,712 |
總數: |
$500,535 |
$29,484 |
$24,302 |
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個案九
姓別:男(42歲) 職業:水務署 月入:$27,290
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$9,811 |
$587 |
$273 |
48 |
B |
$28,703 |
$1,435 |
$642 |
72 |
C |
$13,588 |
$679 |
$322 |
60 |
D |
$39,362 |
$2,000 |
$1,620 |
55 |
E |
$250,000 |
$5,500 |
$5,500 |
要求不作重組 |
總數: |
$341,464 |
$10,201 |
$8,357 |
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個案十
姓別:女(54歲) 職業:健美中心女工 月入:$7,000
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$84,904 |
$3,380 |
$2,063 |
54 |
B |
$60,705 |
$2,218 |
$1,406 |
60 |
總數: |
$145,609 |
$5,598 |
$3,469 |
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個案十一
姓別:男(42歲) 職業:銀行職員 月入:$7,080
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$21,709 |
$1,308 |
$625 |
36 |
B |
$58,877 |
$2,355 |
$1,436 |
42 |
總數: |
$80,586 |
$3,663 |
$2,061 |
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個案十二
姓別:男(24歲) 職業:文員 月入:$6,500
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$8,115 |
$1,700 |
$766 |
12 |
B |
$22,048 |
$1,334 |
$752 |
39 |
C |
$45,000 |
$2,000 |
$2,000 |
要求不作重組 |
總數: |
$75,163 |
$5,034 |
$3,518 |
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個案十三
姓別:女(45歲) 職業:收銀員 月入:$3,000
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$60,960 |
$3,790 |
$1,270 |
48 |
總數: |
$60,960 |
$3,790 |
$1,270 |
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個案十四
姓別:女(25歲) 職業:採購文員 月入:$8,500
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$114,684 |
$7,832 |
$3,430 |
48 |
總數: |
$114,684 |
$7,832 |
$3,430 |
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個案十五
姓別:男(39歲)/女(25歲) 職業:餐廳水吧/百貨直鎖員 月入:$10,000/$6,000
選擇DRP原因:
銀行 |
欠債 |
每月最低還款 |
DRP後供款 |
期數 |
A |
$110,971 |
$5,212 |
$2,370 |
48 |
B |
$81,392 |
$4,637 |
$2,140 |
72 |
總數: |
$192,363 |
$9,849 |
$4,510 |
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