個案 06
蔡先生(54歲)
職業退休警務人員
收入26K
以下資料以月計算
| 債務機構 | 欠債 | 最低還款 | 利率 | 利息開支 | 舒緩後供款 | 期數 | 舒緩後利率 | 舒緩後利息 |
| 銀行 A | $276,562 | $10,637 | 0.63% | $1,752 | $4,122 | 84 | 0.30% | $830 |
| 銀行 B | $316,442 | $6,458 | 0.90% | $2,846 | $4,716 | 84 | 0.30% | $949 |
| 銀行 C | $70,871 | $3,544 | 1.00% | $709 | $844 | 84 | 0.00% | $0 |
| 財務公司 A | $72,978 | $3,649 | 2.50% | $1,824 | $1,743 | 72 | 1.00% | $730 |
| 財務公司 B | $600 | $30 | 4.00% | $24 | $14 | 72 | 1.00% | $6 |
| 財務公司 C | $20,000 | $1,000 | 2.50% | $500 | $398 | 72 | 0.60% | $120 |
| 總共 | $757,453 | $25,318 | - | $7,655 | $11,838 | - | - | $2,635 |
每月節省利息開支
$7,655 - $2,635 = $5,020
每月供款由
$25,318 減至 $11,838
個案 07
吳先生(40歲)
職業建築工人
收入22K
以下資料以月計算
| 債務機構 | 欠債 | 最低還款 | 利率 | 利息開支 | 舒緩後供款 | 期數 | 舒緩後利率 | 舒緩後利息 |
| 銀行 A | $96,000 | $6,000 | 0.92% | $880 | $1,911 | 84 | 0.80% | $768 |
| 銀行 B | $43,000 | $2,150 | 3.00% | $1,290 | $1,672 | 72 | 2.50% | $1,075 |
| 銀行 C | $118,000 | $6,000 | 2.22% | $2,622 | $2,819 | 72 | 1.00% | $11,80 |
| 財務公司 A | $22,160 | $1,400 | 0.50% | $111 | $264 | 84 | 0.00% | $0 |
| 財務公司 B | $70,177 | $3,509 | 3.00% | $2,105 | $1,676 | 72 | 1.00% | $702 |
| 總共 | $349,337 | $19,059 | - | $7,008 | $8,342 | - | - | $3,725 |
每月節省利息開支
$7,008 - $3,725 = $3,283
每月供款由
$19,059 減至 $8,342
個案 08
趙先生(40歲)
職業倉務員
收入19K
以下資料以月計算
| 債務機構 | 欠債 | 最低還款 | 利率 | 利息開支 | 舒緩後供款 | 期數 | 舒緩後利率 | 舒緩後利息 |
| 銀行A | $383,985 | $9,500 | 0.986% | $3,944 | $5,536 | 96 | 0.40% | $1,536 |
| 銀行B | $113,695 | $5,685 | 3.00% | $3,411 | $1,639 | 96 | 0.40% | $455 |
| 銀行C | $18,010 | $901 | 3.00% | $500 | $260 | 96 | 0.40% | $72 |
| 銀行D | $70,325 | $3,516 | 3.00% | $1,750 | $1,014 | 96 | 0.40% | $281 |
| 總共 | $586,015 | $19,602 | - | $9,605 | $8,448 | - | - | $2,344 |
每月節省利息開支
$9,605 - $2,344 = $7,261
每月供款由
$19,602 減至 $8,448
個案 09
江小姐(34歲)
職業文員
收入15K
以下資料以月計算
| 債務機構 | 欠債 | 最低還款 | 利率 | 利息開支 | 舒緩後供款 | 期數 | 舒緩後利率 | 舒緩後利息 |
| 財務公司 A | $414,400 | $15,417 | 1.587% | $6,667 | $9,077.33 | 84 | 1.00% | $4,144 |
| 財務公司 B | $175,200 | $7,917 | 1.50% | $3,750 | $3,487.31 | 84 | 0.80% | $1,402 |
| 財務公司 C | $64,831 | $3,000 | 3.00% | $1,800 | $1,420.11 | 84 | 1.00% | $648 |
| 財務公司 D | $15,000 | $750 | 3.00% | $450 | $313.57 | 84 | 0.90% | $135 |
| 總共 | $669,431 | $27,084 | - | $12,667 | $14,298.33 | - | - | $6,329 |
每月節省利息開支
$12,667 - $6,329 = $6,338
每月供款由
$27,084 減至 $14,298
