 |
|
|
|
Loan consolidation, make good use of consolidation liabilities to
clear debts, effective! |
|
|
Mr. Lin works in the high-tech industry that is
listed on the counter and works as an engineer. He is well paid
every month. He is married and has two children. Because of the poor
concept of financial management when he was young, and spending as
much as he wanted, even if the cost of living has been overdrawn, he
is still unable to restrain his desire to shop, so the debt of the
credit card is increasing. Coupled with the failure of investing in
stocks, a lot of money was lost, and even the savings around them
were very small. When he was gradually unable to afford the family
and his own living expenses, Mr. Lin realized that this would not be
the way to go. He must resolve the debt problem as soon as possible
in order to give his family a better life.
Due to the outbreak of the dual-card storm in recent years, in the
case of successive drawdowns by banks, Mr. Lin originally wanted to
find a bank for integration of debts. However, because the amount of
arrears of card debts exceeded the limit of bank liabilities, banks
considered that the risk of lending was too high to provide
integration Program. Later, Mr. Lin had to negotiate with the bank
individually to reduce interest rates and monthly payments. However,
after several thoughts, considering that the negotiation will affect
the individual's credit, so on the premise of maintaining good
credit, the elimination of individual negotiation to solve the debt
problem was eliminated. In the case of limited repayment ability, in
order to allow the child to have a carefree life in the future, Mr.
Lin and his wife saved money, and the couple minimized their
expenses as much as possible, no longer spending money arbitrarily.
Slowly, Mr. Lin's card debt was also paid back nearly half, and he
paid on time every month, maintaining good credit with his bank
contacts. Therefore, this time Mr. Lin decided to find a
professional financial planning consulting company to assist with
the consolidation liabilities.
Expert advice:
Although Mr. Lin's credit card cycle is high, there is a certain
degree of difficulty in integration, but because Mr. Lin has a
stable income and a good payment record, it is suggested that Mr.
Lin can try to apply to the bank to integrate all card debts in the
name, so that The original 6 or 7 credit card arrears were
consolidated into one lump, reducing monthly payments, making
payment easier. And because the credit loan is calculated on the
basis of equal distribution of principal and interest, most of the
money paid to the bank each month is to repay the principal. In
addition to reducing interest and reducing monthly payments, it can
also speed up the repayment time, let Mr. Lin The burden was
suddenly lightened a lot. Although the process of consolidating
debts was very difficult, it also allowed Mr. Lin to solve the debt
trouble smoothly and correct the vice of excessive consumption. He
also usually pays more attention to information on financial
management. I believe that as long as you are willing to face
debt consolidation, any
problems Can be easily solved |
|
|
 |
|
|
|
 |