個案一
姓別：女(45歲)
職業：補習老師
月入：$30,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 財務公司 A |
$71,545 |
$4,764 |
2.45% |
$1,753 |
$1,650 |
72 |
0.92% |
$656 |
| 銀行 A |
$253,839 |
$10,101 |
0.65% |
$1,650 |
$3,000 |
96 |
0.14% |
$356 |
| 財務公司 B |
$40,391 |
$2,020 |
3% |
$1,212 |
$713 |
96 |
0.72% |
$292 |
| 財務公司 C |
$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: 8567-3446 = $5121
每月供款由 $27001 減至 $11663
個案二
姓別：男(47歲)
職業：銀行高層
月入：$75,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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 |
|
$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: 34074-5733 = $28341
每月供款由 $68127 減至 $30300
個案三
姓別：男(35歲) 職業：採購部經理 月入：$35
,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 財務公司 A |
$8,736 |
$437 |
3% |
$262 |
$209 |
72 |
1.00% |
$87 |
| 財務公司 B |
$19,592 |
$980 |
4% |
$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% |
$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 |
$579 |
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 |
| 總數： |
$997,639 |
$33,368 |
|
|
$17,161 |
|
|
$5,625.53 |
每月節省利息開支: 17161-5625 = $11536
每月供款由 $33368 減至 $17161
個案四
姓別：女(28歲) 職業：註冊護士 月入：$30
,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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% |
$226 |
$105 |
72 |
0.00% |
$0 |
| 銀行 F |
$20,157 |
$1,008 |
3.00% |
$605 |
$340 |
72 |
0.30% |
$60 |
| 銀行 G |
$105,327 |
$6,577 |
3.00% |
$3,160 |
$2,095 |
72 |
0.60% |
$632 |
| 銀行 H |
$34,911 |
$1,746 |
3.00% |
$1,047 |
$485 |
72 |
0.00% |
$0 |
| 總數： |
$1,169,843 |
$33,850 |
|
$9,011 |
$19,456 |
|
|
$3,208 |
每月節省利息開支: 9011-3207 = $5804
每月供款由 $33850 減至 $19456
個案五
姓別：男(54歲) 職業：退休警務人員 月入：$26
,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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 |
| 銀行 D |
$20,000 |
$1,000 |
2.50% |
$500 |
$398 |
72 |
0.60% |
$120 |
| 總數： |
$757,453 |
$25,317 |
|
$7,655 |
$11,838 |
|
|
$2,635 |
每月節省利息開支: 7655-2634 = $5020
每月供款由 $33850 減至 $19456
個案六
姓別：男(40歲) 職業：建築工人 月入：$22
,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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% |
$1,180 |
| 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 |
| 總數： |
$349,337 |
$19,059 |
|
$7,008 |
$8,342 |
|
|
$3,725 |
每月節省利息開支: 7008-3725 = $5020
每月供款由 $19059 減至 $8342
個案七
姓別：女(30歲) 職業：美容顧問 月入：$22,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 銀行 A |
$21,090 |
$1,055 |
3.00% |
$633 |
|
84 |
0.35% |
|
| 銀行 B |
$295,406 |
$7,854 |
1.10% |
$3,263 |
$4,876 |
84 |
0.35% |
$1,108 |
| 銀行 C |
$23,618 |
$1,181 |
3.00% |
$709 |
$375 |
72 |
0.20% |
$47.24 |
| 財務公司 A |
$462 |
$23 |
3.00% |
$14 |
$12 |
72 |
1.30% |
$6.01 |
| 銀行 D |
$160,078 |
$8,004 |
3.00% |
$4,802 |
$3,344 |
72 |
0.70% |
$1,120.55 |
| 總數： |
$500,654 |
$18,116 |
|
$9,420 |
$8,608 |
|
|
$2,282 |
每月節省利息開支: 9420-2282 = $7138
每月供款由 $18116 減至 $8608
個案八
姓別：女(46歲) 職業：傳播媒體 月入：$24,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 財務公司 A |
$68,508 |
$3,400 |
1.24% |
$853 |
$1,637 |
72 |
1.00% |
$685 |
| 財務公司 B |
$139,269 |
$10,700 |
0.57% |
$788 |
$2,723 |
72 |
0.57% |
$788 |
| 銀行 A |
$86,930 |
$4,347 |
3.00% |
$2,608 |
$1,597 |
72 |
0.00% |
$0 |
| 銀行 B |
$183,447 |
$9,172 |
3.00% |
$5,503 |
$2,548 |
72 |
0.00% |
$0 |
| 財務公司 C |
$102,054 |
$5,103 |
3.00% |
$3,062 |
$2,438 |
72 |
1.00% |
$1,021 |
| 財務公司 D |
$29,155 |
$1,458 |
4.00% |
$1,166 |
$696 |
72 |
1.00% |
$292 |
| 總數： |
$609,363 |
$34,179 |
|
$13,980 |
$11,639 |
|
|
$292 |
每月節省利息開支: 13980-2785 = $11195
每月供款由 $34179 減至 $11639
個案九
姓別：男(40歲) 職業：倉務員 月入：$19,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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 |
3.000% |
$3,411 |
$1,639 |
96 |
0.40% |
$455 |
| 銀行 C |
$18,010 |
$901 |
3.000% |
$500 |
$260 |
96 |
0.40% |
$72 |
| 銀行 D |
$70,325 |
$3,516 |
3.000% |
$1,750 |
$1,014 |
96 |
0.40% |
$281 |
| 總數： |
$586,015 |
$19,602 |
|
$9,605 |
$8,448 |
|
|
$2,344 |
每月節省利息開支: 9605-2344 = $7261
每月供款由 $19602 減至 $8448
個案十
姓別：男(45歲) 職業：董事 月入：$30,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 銀行 A |
$32,037 |
$1,420 |
3.000% |
$954 |
$471 |
68 |
0.00% |
$0 |
| 銀行 B |
$23,007 |
$921 |
3.000% |
$700 |
$338 |
68 |
0.00% |
$0 |
| 銀行 C |
$16,364 |
$1,479 |
3.000% |
$491 |
$241 |
68 |
0.00% |
$0 |
| 銀行 D |
$22,882 |
$669 |
3.000% |
$443 |
$474 |
68 |
0.60% |
$137 |
| 銀行 E |
$20,122 |
$669 |
3.000% |
$510 |
$397 |
68 |
0.60% |
$101 |
| 銀行 F |
$102,708 |
$3,984 |
3.000% |
$2,680 |
$1,510 |
68 |
0.00% |
$0 |
| 財務公司 A |
$91,075 |
$3,634 |
3.000% |
$2,271 |
$2,250 |
68 |
1.00% |
$911 |
| 銀行 G |
$59,877 |
$2,589 |
3.000% |
$1,814 |
$881 |
68 |
0.00% |
$0 |
| 銀行 H |
$14,489 |
$510 |
3.000% |
$369 |
$286 |
68 |
0.50% |
$72 |
| 銀行 I |
$29,655 |
$2,548 |
3.000% |
$843 |
$555 |
68 |
0.40% |
$119 |
| 銀行 J |
$29,697 |
$1,171 |
3.000% |
$822 |
$437 |
68 |
0.00% |
$0 |
| 銀行 K |
$117,204 |
$3,300 |
3.000% |
$3,170 |
$1,724 |
68 |
0.00% |
$0 |
| 銀行 L |
$69,949 |
$3,391 |
3.000% |
$2,377 |
$1,448 |
68 |
0.60% |
$420 |
| 銀行 M |
$184,712 |
$6,000 |
3.000% |
$1,932 |
$2,716 |
68 |
0.00% |
$0 |
| 銀行 N |
$110,046 |
$6,018 |
3.000% |
$2,899 |
$1,618 |
68 |
0.00% |
$0 |
| 總數： |
$923,824 |
$38,303 |
|
$22,275 |
$15,345 |
|
|
|
每月節省利息開支: 22275-1759 = $20516
每月供款由 $38303 減至 $15345
個案十一
姓別：女(26歲) 職業：保險從業員 月入：$16,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 銀行 A |
$18,945 |
$758 |
3.00% |
$568 |
$316 |
60 |
0.00% |
$0 |
| 銀行 B |
$29,853 |
$1,057 |
0.98% |
$390 |
$498 |
60 |
0.00% |
$0 |
| 銀行 C |
$80,000 |
$3,200 |
3.00% |
$2,400 |
$1,333 |
60 |
0.00% |
$0 |
| 銀行 D |
$156,910 |
$3,726 |
0.50% |
$859 |
$2,615 |
60 |
0.00% |
$0 |
| 銀行 E |
$54,389 |
$3,684 |
0.38% |
$684 |
$1,601 |
39 |
0.38% |
$207 |
| 財務公司 A |
$12,778 |
$511 |
3.00% |
$383 |
$1,257 |
12 |
1.50% |
$192 |
| 總數： |
$352,875 |
$12,936 |
|
$5,285 |
$7,620 |
|
|
$398 |
每月節省利息開支: 5285-398 = $4887
每月供款由 $12935 減至 $7620
個案十二
姓別：男(42歲) 職業：註册護士 月入：$49,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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 |
$560 |
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 |
$79 |
2.50% |
$1,614 |
$688 |
96 |
0.60% |
$16 |
| 銀行 G |
$21,620 |
$390 |
1.00% |
$216 |
$135 |
96 |
0.00% |
$0 |
| 總數： |
$1,719,985 |
$42,787 |
|
$23,602 |
$25,510 |
|
|
$7,684 |
每月節省利息開支: 23602-7684 = $15919
每月供款由 $42787 減至 $25510
個案十三
姓別：女(34歲) 職業：文員 月入：$15,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 銀行 A |
$240,000 |
$4,650 |
0.549% |
$1,317 |
$5,080 |
60 |
0.45% |
$1,080 |
| 銀行 B |
$59,000 |
$3,500 |
1.510% |
$891 |
$1,278.3 |
60 |
0.50% |
$295 |
| 銀行 C |
$62,000 |
$2,500 |
3.000% |
$1,860 |
$1,033.3 |
60 |
0.00% |
$0 |
| 銀行 D |
$50,000 |
$500 |
3.000% |
$2,199 |
$833.3 |
60 |
0.00% |
$0 |
| 銀行 E |
$22,000 |
$800 |
3.000% |
$660 |
$366.7 |
60 |
0.00% |
$0 |
| 銀行 F |
$20,000 |
$800 |
3.000% |
$600 |
$333.3 |
60 |
0.00% |
$0 |
| 總數： |
$453,000 |
$12,750 |
|
$7,527 |
$8,925 |
|
|
$1,375 |
每月節省利息開支: 7527-1375 = $6152
每月供款由 $12750 減至 $8975
個案十四
姓別：女(34歲) 職業：文員 月入：$15,000
| 債務機構 |
欠債 |
每月最低還款 |
每月利率 |
每月利息開支 |
重整後供款 |
期數 |
重整後每月利率 |
重整後每月利息 |
| 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 |
1.500% |
$3,750 |
$3,487.31 |
84 |
0.80% |
$1,402 |
| 財務公司 C |
$64,831 |
$3,000 |
3.000% |
$1,800 |
$1,420.11 |
84 |
1.00% |
$648 |
| 財務公司 D |
$15,000 |
$750 |
3.000% |
$450 |
$313.57 |
84 |
0.90% |
$135 |
| 總數： |
$669,431 |
$27,084 |
|
$12,667 |
$14,298.33 |
|
|
$6,329 |
每月節省利息開支: 12667-6329 = $6338
每月供款由 $27084 減至 $14298
