關於債務協商流程 的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E5%82%B5%E5%8B%99%E5%8D%94%E5%95%86%E6%B5%81%E7%A8%8B/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/債務協商流程/</link> <description></description> <lastBuildDate>Fri, 20 Sep 2024 02:34:05 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png</url> <title>關於債務協商流程 的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/債務協商流程/</link> <width>32</width> <height>32</height> </image> <item> <title>債務協商如何申請?分鐘了解所有方案細節?/title> <link>//danaherbertts.shop/debt-negotiation/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Tue, 01 Jun 2021 01:26:31 +0000</pubDate> <category><![CDATA[申貸須知]]></category> <category><![CDATA[債務協商一次清償]]></category> <category><![CDATA[債務協商多久恢復信用]]></category> <category><![CDATA[債務協商失敗原因]]></category> <category><![CDATA[債務協商後果]]></category> <category><![CDATA[債務協商流程]]></category> <category><![CDATA[債務協商缺點]]></category> <category><![CDATA[如何跟銀行債務協商]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=5900</guid> <description><![CDATA[<p>債務協商如何申請?分鐘了解所有方案細節?若身上債務已經嚴重造成生活負擔，你是否有想過尋求其他協助減輕負擔呢 […]</p> <p>這篇文章 <a href="//danaherbertts.shop/debt-negotiation/">債務協商如何申請?分鐘了解所有方案細節?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="5900" class="elementor elementor-5900" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-6bda4fc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6bda4fc3" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6459d31e" data-id="6459d31e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6883f936 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6883f936" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6cd1979c" data-id="6cd1979c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-11da1c4a elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="11da1c4a" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">債務協商流程</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-4453af3f elementor-widget elementor-widget-heading" data-id="4453af3f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">債務協商如何申請?分鐘了解所有方案細節?/h1> </div> </div> <div class="elementor-element elementor-element-4ef1d971 elementor-widget elementor-widget-image" data-id="4ef1d971" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation.png" class="attachment-large size-large wp-image-46337" alt="債務協商如何申請?分鐘了解所有方案細節！－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation.png 1024w, //danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-768x548.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-5845ca22 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="5845ca22" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-7e225560 elementor-widget elementor-widget-text-editor" data-id="7e225560" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>若身上債務已經嚴重造成生活負擔，你是否有想過尋求其他協助減輕負擔呢？目前各家銀行都有提供債務協商，讓符合條件的債務人提出申請，早日償還龐大債務，以下是債務協商全攻略，一起來看！</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7200f96e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7200f96e" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-40c771b5" data-id="40c771b5" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-6b044170 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="6b044170" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3b97fef1" data-id="3b97fef1" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-3d4936a2 elementor-widget elementor-widget-heading" data-id="3d4936a2" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務協商是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-41e19f3b elementor-widget elementor-widget-text-editor" data-id="41e19f3b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">債務協商為提供給無能力償還債務的債務人，一次解決所有負債的機制</span>。債權人會根據債務人的償還能力，與債務人共同規劃、擬定可行的還款方案，以降低利率或延長還款期限? </div> </div> <div class="elementor-element elementor-element-bc2edf9 elementor-widget elementor-widget-heading" data-id="bc2edf9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務協商優缺?/h2> </div> </div> <div class="elementor-element elementor-element-fe614d8 elementor-widget elementor-widget-heading" data-id="fe614d8" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務協商優點</h3> </div> </div> <div class="elementor-element elementor-element-9542a78 elementor-widget elementor-widget-text-editor" data-id="9542a78" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>不需要綁約：協商後不需要綁約，即使提前還款也不用繳違約金?/li><li>統整所有債務：協商後只需要向最大債權銀行還款，統一繳款日期?/li><li>降低還款利率：最大債權銀行會視債務人條件來調整還款利率，最低可?利率?/li><li>延長還款年限：最大債權銀行會根據債務人的還款能力決定還款年限，最長可?5年?/li></ul> </div> </div> <div class="elementor-element elementor-element-f9edc4d elementor-widget elementor-widget-image" data-id="f9edc4d" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="879" src="//danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-advantage-932x1024.png" class="attachment-large size-large wp-image-47226" alt="債務協商4大優點－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-advantage-932x1024.png 932w, //danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-advantage-273x300.png 273w, //danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-advantage-768x844.png 768w, //danaherbertts.shop/wp-content/uploads/2021/06/debt-negotiation-advantage.png 1001w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-0141106 elementor-widget elementor-widget-heading" data-id="0141106" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務協商缺點</h3> </div> </div> <div class="elementor-element elementor-element-1e685f1 elementor-widget elementor-widget-text-editor" data-id="1e685f1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>聯徵中心註記：個人信用報告會有債務協商註記，並維持到清償後一年?/li><li>無法辦理貸款：協商還款期間債務人不得再辦理新的信用卡或貸款，使用中的信用卡也會被停用?/li></ul> </div> </div> <div class="elementor-element elementor-element-26fe9b1 elementor-widget elementor-widget-heading" data-id="26fe9b1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務協商有哪些方式？</h2> </div> </div> <div class="elementor-element elementor-element-ec06a7e elementor-widget elementor-widget-heading" data-id="ec06a7e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">前置協商</h3> </div> </div> <div class="elementor-element elementor-element-463d212 elementor-widget elementor-widget-text-editor" data-id="463d212" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">債務人主動向最大債權銀行提出申請，由最大債權銀行代理其他債權銀行，和債務人擬定合適的還款方?/span>，可將負債統整為一筆，並調降利率、延長還款期限。通常大多數人在前置協商階段就可解決債務問題? </div> </div> <div class="elementor-element elementor-element-06338f4 elementor-widget elementor-widget-text-editor" data-id="06338f4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <strong>?延伸閱讀 ?/strong><a href="//danaherbertts.shop/right-negotiation-share/" target="_blank" rel="noopener">前置協商是什麼？8大重點分享給你！</a> </div> </div> <div class="elementor-element elementor-element-1c53212 elementor-widget elementor-widget-heading" data-id="1c53212" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">二次協商</h3> </div> </div> <div class="elementor-element elementor-element-721fb9f elementor-widget elementor-widget-text-editor" data-id="721fb9f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>如果債務人申請前置協商後仍無力還款，但還有還款能力和意願的話，可以向銀行申請二次協商。二次協商可再細分為變更還款條件方案和個別協商一致性方案：</p><ul><li>變更還款條件方案：前置協商正常履?年以上，若因金額龐大或有其他困難，導致無法順利還款，即可提出申請?/li><li>個別協商一致性方案：前置協商後依舊無法還款，須和最大債權銀行再次共同擬定還款方案，其他債權銀行比照最大債權銀行協商條件辦理?/li></ul> </div> </div> <div class="elementor-element elementor-element-7c33a40 example elementor-widget elementor-widget-text-editor" data-id="7c33a40" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <strong>※貼心提醒：</strong><span class="f-point">二次協商只能申請一次，且會提高還款利率</span>，因此申請前一定要考慮清楚? </div> </div> <div class="elementor-element elementor-element-fac4fa2 elementor-widget elementor-widget-heading" data-id="fac4fa2" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">個別協商</h3> </div> </div> <div class="elementor-element elementor-element-755c194 elementor-widget elementor-widget-text-editor" data-id="755c194" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>債務人主動向單一銀行個別提出申請，協商完後向個別銀行分別還款，個別協商方案的利率不低於原貸款或同類型平均貸款利率?/p> </div> </div> <div class="elementor-element elementor-element-8450558 example elementor-widget elementor-widget-text-editor" data-id="8450558" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <strong>※貼心提?/strong>：若條件允許，有些銀行也會提供降低本金，或債務協商一次清償的個別協商方案? </div> </div> <div class="elementor-element elementor-element-0a953b5 elementor-widget elementor-widget-heading" data-id="0a953b5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務協商申請條件、準備資?/h2> </div> </div> <div class="elementor-element elementor-element-e893bb7 elementor-widget elementor-widget-heading" data-id="e893bb7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務協商申請條件</h3> </div> </div> <div class="elementor-element elementor-element-3ec9cda6 elementor-widget elementor-widget-text-editor" data-id="3ec9cda6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>積欠金融機構債務，且難以按期還款</li><li>未曾參與<a href="//www.banking.gov.tw/ch/home.jsp?id=88&parentpath=0,5,86,87" target="_blank" rel="noopener"><strong>95</strong><strong>年度銀行公會債務協?/strong></a>，或協商未成立?/li><li>5年內未從事營業活動，或從事小規模營業活動營業額平均每?0萬以下之自然?/li></ul> </div> </div> <div class="elementor-element elementor-element-2f899e6 elementor-widget elementor-widget-heading" data-id="2f899e6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務協商準備資料 </h3> </div> </div> <div class="elementor-element elementor-element-bb2c0b0 elementor-widget elementor-widget-text-editor" data-id="bb2c0b0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>身分證正反面影本</li><li>前置協商申請?/li><li>前置協商申請人財產及收支狀況說明書</li><li>債權人清冊正?/li><li>國稅局?年度綜合所得資料清單，及最?個月核發之財產資料清?/li><li>?個月薪資證明文件，薪資單正本或薪轉存摺影?/li><li>勞工保險被保險人投保資料表及明細正本</li></ul> </div> </div> <div class="elementor-element elementor-element-0be2ec6 elementor-widget elementor-widget-text-editor" data-id="0be2ec6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> ※相關文件下載說明：<a href="//www.twidrp.org.tw/p02.jsp" target="_blank" rel="noopener">中華民國銀行公?/a> </div> </div> <div class="elementor-element elementor-element-1dcbc912 elementor-widget elementor-widget-heading" data-id="1dcbc912" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">如何跟銀行債務協商？</h2> </div> </div> <div class="elementor-element elementor-element-300b1fe1 elementor-widget elementor-widget-text-editor" data-id="300b1fe1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>通常債務協商流程至少需?5天才會完成，下列以大部分人申請的前置協商做說明?/p><ol><li>準備資料：準備上述資料?/li><li>提出申請：向最大債權銀行以書面方式提出申請?/li><li>銀行審核：最大債權銀行根據資料、債務人財務狀況進行審核?/li><li>協商會議：最大債權銀行將資料提供其他債權銀行，於申請後隔日?5?0日內召開協商會議，並在開始協商隔日起45?0日內完成協商作業?/li><li>達成協商：債權銀行與債務人達成清償方案共識，協商成立，債務人自下個月10日起依協商方案還款?/li></ol> </div> </div> <div class="elementor-element elementor-element-38b7265 elementor-widget elementor-widget-heading" data-id="38b7265" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務協商與債務整合的不同</h2> </div> </div> <div class="elementor-element elementor-element-922774f elementor-widget elementor-widget-html" data-id="922774f" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th width="20%" style=" background-color: #f7f2eb; vertical-align: middle; text-align: center">比較項目</th> <th width="40%" style=" background-color: #f7f2eb; vertical-align: middle; text-align: center">債務協商</th> <th width="40%" style=" background-color: #f7f2eb; vertical-align: middle; text-align: center">債務整合</th> </tr> <tr> <th style="vertical-align: middle; text-align: center"> 定義</th> <td style="vertical-align: middle; text-align: left">向最大債權銀行共同規劃、擬定可行的還款方案</td> <td style="vertical-align: middle; text-align: left ">向銀行申請額度較高、利率較低的貸款去償還多筆債?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center">適用族群</th> <td style="vertical-align: middle; text-align:left">名下有多筆債務，且已嚴重造成生活負擔</td> <td style="vertical-align: middle; text-align:left"> ?具有穩定收入<br> ?無重大信用瑕?br> ?負債比小?2? </td> </tr> <tr> <th style="vertical-align: middle; text-align: center">信用評分影響</th> <td style="vertical-align: middle; text-align:left">債務協商期間聯徵紀錄有註記，不能辦信用卡、申?/td> <td style="vertical-align: middle; text-align:left"> 信用評分不會受影響，之後仍可向銀行申貸、辦信用?/td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-703108a6 elementor-widget elementor-widget-text-editor" data-id="703108a6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 從上表可以看到，債務協商後果為聯徵紀錄有註記，不僅協商期間無法辦卡或申貸，清償後可能也較難向銀行貸款，?span class="f-point">債務整合不影響信用評分，且之後仍可向銀行申貸、辦卡，因此若條件允許，建議優先申請債務整合會比較好</span>? </div> </div> <div class="elementor-element elementor-element-cc62b6d elementor-widget elementor-widget-text-editor" data-id="cc62b6d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <strong>?延伸閱讀 ?/strong><a href="//danaherbertts.shop/integrate-debt/" target="_blank" rel="noopener">債務整合優點？一篇完整說?/a> </div> </div> <div class="elementor-element elementor-element-93fbadb elementor-widget elementor-widget-heading" data-id="93fbadb" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務協商常見問題</h2> </div> </div> <div class="elementor-element elementor-element-dcf8c02 elementor-widget elementor-widget-accordion" data-id="dcf8c02" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2311" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2311" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：債務協商沒過怎麼辦？</a> </div> <div id="elementor-tab-content-2311" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2311">如果債務協商不成立，債務人可以半年後再申請一次，或是向法院聲請更生或清算?<ul> <li>更生：如果債務總額不超過1200萬元，債務人須提出一個期?年，且至少每3個月還款一次的債務清償計畫?span class="f-point">只要債務人穩定還?年，剩餘債務即可全數免除</span>?<strong>※貼心提醒：若債務人名下持有自用住宅，還款年限可延長?年?/strong></li> </ul> <ul> <li>清算：若債務總額已超?200萬元，法院會將債務人名下財產全數變現，再依比例分配給所有債權人，清算後依債務人的財產狀況和生活需求，判定是否可免除剩餘的債務，如果法院裁定不免責，債務人仍須繼續償還剩餘債務?/li> </ul></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2312" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2312" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：債務協商多久恢復信用？</a> </div> <div id="elementor-tab-content-2312" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2312"><ul><li>前置協商：信用報告上會註記至履約完成日或提前清償日加1?/li><li>更生：自更生方案履行完畢日起註記4?/li><li>清算：裁定開始清算日起揭?0?/li></ul><p>提醒你，揭露期限過後雖然信用報告上的註記會消失，但銀行內部會有名單，因此建議未來辦理金融業務時避開協商銀行，以免申請失敗?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2313" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-2313" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：債務協商失敗原因有哪些?/a> </div> <div id="elementor-tab-content-2313" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-2313"><ul><li>負債大於資產狀況太過嚴?/li><li>並非選擇最適合的債務協商方?/li><li>剛貸款完即有繳款困難而申請協?/li><li>無遵守協商銀行的作業流程，或申請資料有缺?/li></ul><p>上述情形都有可能導致協商失敗，因此建議多和最大債權銀行溝通討論?/p></div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u50b5\u52d9\u5354\u5546\u6c92\u904e\u600e\u9ebc\u8fa6\uff1f","acceptedAnswer":{"@type":"Answer","text":"\u5982\u679c\u50b5\u52d9\u5354\u5546\u4e0d\u6210\u7acb\uff0c\u50b5\u52d9\u4eba\u53ef\u4ee5\u534a\u5e74\u5f8c\u518d\u7533\u8acb\u4e00\u6b21\uff0c\u6216\u662f\u5411\u6cd5\u9662\u8072\u8acb\u66f4\u751f\u6216\u6e05\u7b97\u3002\n<ul>\n 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</div> </div> </div> <div class="elementor-element elementor-element-18da75b5 elementor-widget elementor-widget-heading" data-id="18da75b5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">結語</h2> </div> </div> <div class="elementor-element elementor-element-3b61873b elementor-widget elementor-widget-text-editor" data-id="3b61873b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 以上就是債務協商的完整介紹，也要提醒你，<span class="f-point">債務協商千萬不要透過代辦公司辦理，若有法律諮詢需求，也要?a href="//www.laf.org.tw/" target="_blank" rel="noopener">財團法人法律扶助基金?/a>詢問</span>，才不會被騙取高昂費用喔? </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-24db6061 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="24db6061" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5def0448" data-id="5def0448" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-726d741c elementor-widget elementor-widget-heading" data-id="726d741c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">大揚代書24H免費諮詢</p> </div> </div> <div class="elementor-element elementor-element-256dae30 elementor-widget elementor-widget-text-editor" data-id="256dae30" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p> </div> </div> </div> </div> <div class="elementor-column 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elementor-animation-shrink elementor-repeater-item-09c7b15" href="//danaherbertts.shop/contact/#online"> <span class="elementor-screen-only">Envelope</span> <i class="fas fa-envelope"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-line elementor-animation-shrink elementor-repeater-item-73f8653" href="//line.me/R/ti/p/@bigyang" target="_blank"> <span class="elementor-screen-only">Line</span> <i class="fab fa-line"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-animation-shrink elementor-repeater-item-7923573" href="//www.facebook.com/%E5%A4%A7%E6%8F%9A%E5%9C%B0%E6%94%BF%E5%A3%AB%E4%BA%8B%E5%8B%99%E6%89%80-263936910644467" target="_blank"> <span class="elementor-screen-only">Facebook-f</span> <i class="fab fa-facebook-f"></i> </a> </span> </div> </div> </div> </div> </div> </div> </section> </div> </div> <div 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href="//danaherbertts.shop/category/share-loan/southern-area-cases/">南部案例</a> </li> <li class="cat-item cat-item-4674"><a href="//danaherbertts.shop/category/share-loan/eastern-area-cases/">東部案例</a> </li> <li class="cat-item cat-item-4675"><a href="//danaherbertts.shop/category/share-loan/offshore-islands-cases/">離島案例</a> </li> </ul> </li> <li class="cat-item cat-item-3771"><a href="//danaherbertts.shop/category/law-knowledge-area/">法律知識</a> </li> <li class="cat-item cat-item-4713"><a href="//danaherbertts.shop/category/financial-knowledge/">認識理財</a> <ul class='children'> <li class="cat-item cat-item-4610"><a href="//danaherbertts.shop/category/financial-knowledge/house-knowledge/">房產知識</a> </li> <li class="cat-item cat-item-2992"><a href="//danaherbertts.shop/category/financial-knowledge/topical-fields/">時事話題</a> </li> <li class="cat-item cat-item-4611"><a href="//danaherbertts.shop/category/financial-knowledge/daily-money-management/">生活理財</a> </li> <li class="cat-item 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href="//danaherbertts.shop/category/loan-guide/bank-loan-area/">銀行貸?/a> </li> </ul> </li> </ul> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/debt-negotiation/">債務協商如何申請?分鐘了解所有方案細節?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> </channel> </rss>