When many people think of "debt restructuring", most people think that it is the "privilege" of the enterprise. But now, many people have gradually come into contact with the service of personal debt restructuring, which also makes many debtors, when they find new hope, they are also considering one thing, that is, what are the requirements for personal debt restructuring?
Personal debt restructuring requirements:
1. Age 22 to 57 years old, working in the unit for more than 1 year.
2. Punch salary from 10,000, provident fund contribution base from 8,000. (No property, no household registration requirements)
3. The monthly salary is 12,000 to 15,000, the balance of credit investigation liabilities does not exceed 1.5 million, the monthly salary is 20,000+, and the balance of credit liabilities does not exceed 2 million.
4. Employees of civil servants, teachers, doctors, public institutions, central enterprises, state-owned enterprises, top 500 enterprises, or listed companies, with high income, high debt (debt balance ranging from 500,000 to 3 million), and the provident fund contribution base is more than 8,000. No property requirements are required.
In recent years, many people are facing high debt, high debt and other problems, in the case of a lot of debt, how should we thoroughly and effectively solve the debt problem, the first thing to do is debt optimization, so what is debt optimization?
Debt restructuring is tailored to the creditor's income and debt situation to find the most suitable repayment plan, so that your debt costs are minimized and interest costs are reduced.
For example, Mr. Li has long loans, owed high interest debts such as small loans, private loans, Huabei, Jingdong Baitiao, and private loans. Roughly calculated, the comprehensive annual interest rate of Mr. Li's online loans ranges from 20% to 36%. After restructuring, the annual interest rate is within 5% (formal bank loan). This greatly reduces its interest costs, saving at least 15 points in one year and 45 points in three years.