個案 01
陳先生(47歲)
職業銀行高層
收入75K
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 | $296,400 | $16,682 | 3.00% | $8,892 | $3,900 | 76 | 0% | $0 |
| 銀行B | $276,881 | $13,844 | 3.00% | $8,306 | $5,200 | 72 | 0.49% | $1,354 |
| 銀行C | $66,000 | $1,880 | 3.00% | $1,980 | $1,000 | 66 | 0% | $0 |
| 銀行D | $118,410 | $5,921 | 1.05% | $3,552 | $3,000 | 40 | 0.03% | $40 |
| 銀行E | $1,080,341 | $29,800 | 3.00% | $11,343.58 | $17,200 | 84 | 0.40% | $4,339 |
| 總共 | $1,838,032 | $68,127 | - | $34,074 | $30,300 | - | - | $5,733 |
每月節省利息開支
$34,074 - $5,733 = $28,341
每月供款由
$68,127 減至 $30,330
個案 02
李先生(42歲)
職業註册護士
收入49K
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 | $722,633 | $17,784 | 1.07% | $8,341 | $11,947 | 96 | 0.35% | $4,419 |
| 銀行 B | $546,594 | $15,617 | 0.74% | $5,740 | $8,942 | 96 | 0.40% | $3,248 |
| 銀行 C | $173,184 | $5,600 | 2.50% | $4,330 | $1,804 | 96 | 0.00% | $0 |
| 銀行 D | $94,900 | $5,925 | 1.00% | $949 | $989 | 96 | 0.00% | $0 |
| 銀行 E | $96,490 | $2,431 | 2.50% | $2,412 | $1,005 | 96 | 0.00% | $0 |
| 銀行 F | $64,564 | $2790 | 2.50% | $1,614 | $688 | 96 | 0.60% | $16 |
| 銀行 G | $21,620 | $390 | 1.00% | $216 | $135 | 96 | 0.00% | $0 |
| 總共 | $1,719,985 | $42,787 | - | $23,602 | $25,510 | - | - | $7,684 |
每月節省利息開支
$23,602 - $7,684 = $15,919
每月供款由
$42,787 減至 $25,510
個案 03
朱先生(42歲)
職業採購部經理
收入35K
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 | $8,736 | $437 | 3.00% | $262 | $209 | 72 | 1.00% | $87 |
| 財務公司 B | $19,592 | $980 | 4.00% | $784 | $468 | 72 | 1.00% | $196 |
| 財務公司 C | $230,000 | $7,498 | 1.18% | $2,707 | $5,494 | 72 | 1.00% | $2,300 |
| 財務公司 D | $70,892 | $3,545 | 3.00% | $2,127 | $1,694 | 72 | 1.00% | $709 |
| 銀行 A | $520,000 | $13,980 | 0.66% | $3,448 | $7,750 | 96 | 0.45% | $2,333 |
| 銀行 B | $55,539 | $2,285 | 0.39% | $218 | $578 | 96 | 0.45% | $0 |
| 銀行 C | $44,732 | $2,237 | 2.50% | $1,118 | $466 | 96 | 0.00% | $0 |
| 銀行 D | $48,148 | $2,407 | 2.50% | $1,204 | $502 | 96 | 0.00% | $0 |
| 總共 | $997,639 | $33,368 | - | $11,868 | $17,162 | - | - | $5,625 |
每月節省利息開支
$11,868 - $5,625 = $6,243
每月供款由
$33,368 減至 $17,162
個案 04
謝小姐(45歲)
職業補習老師
收入30K
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 | $71,545 | $4,764 | 2.45% | $1,753 | $1,650 | 72 | 0.92% | $656 |
| 銀行B | $253,839 | $10,101 | 0.65% | $1,650 | $3,000 | 96 | 0.14% | $356 |
| 銀行C | $40,391 | $2,020 | 3.00% | $1,212 | $713 | 96 | 0.72% | $292 |
| 銀行D | $299,433 | $10,116 | 1.32% | $3,953 | $6,300 | 72 | 0.72% | $2,141 |
| 總共 | $665,208 | $27,001 | - | $8,567 | $11,663 | - | - | $3,446 |
每月節省利息開支
$8,567 - $3,446 = $5,121
每月供款由
$27,001 減至 $11,663
個案 05
羅小姐(28歲)
職業註冊護士
收入30K
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 | $480,688 | $10,682 | 0.56% | $2,706 | $8,118 | 72 | 0.30% | $1,442 |
| 銀行B | $180,163 | $4,769 | 0.24% | $434 | $2,936 | 72 | 0.24% | $434 |
| 銀行C | $333,882 | $8,333 | 0.19% | $618 | $5,255 | 72 | 0.19% | $618 |
| 銀行D | $7,180 | $359 | 3.00% | $215 | $121 | 72 | 0.30% | $22 |
| 銀行E | $7,535 | $377 | 3.00% | $605 | $340 | 72 | 0.30% | $60 |
| 銀行 F | $105,327 | $6,577 | 3.00% | $3,160 | $2,095 | 72 | 0.60% | $632 |
| 銀行 G | $34,911 | $1,746 | 3.00% | $1,047 | $485 | 72 | 0.00% | $0 |
| 總共 | $1,149,686 | $32,843 | - | $9,011 | $19,456 | - | - | $3,208 |
每月節省利息開支
$9,011 - $3,208 = $5,804
每月供款由
$32,843 減至 $19,456
