{"id":3909,"date":"2026-03-26T17:06:48","date_gmt":"2026-03-26T09:06:48","guid":{"rendered":"https:\/\/cf-professional.com\/public\/?p=3909"},"modified":"2026-03-26T17:06:48","modified_gmt":"2026-03-26T09:06:48","slug":"%e5%82%b5%e5%8b%99%e8%88%92%e7%b7%a9%e6%88%90%e5%8a%9f%e5%80%8b%e6%a1%88%e5%88%86%e4%ba%ab-%e6%a9%9f%e9%9b%bb%e7%b6%ad%e4%bf%ae%e6%8a%80%e8%a1%93%e5%93%a1-case-no-26130","status":"publish","type":"post","link":"https:\/\/cf-professional.com\/public\/%e5%82%b5%e5%8b%99%e8%88%92%e7%b7%a9%e6%88%90%e5%8a%9f%e5%80%8b%e6%a1%88%e5%88%86%e4%ba%ab-%e6%a9%9f%e9%9b%bb%e7%b6%ad%e4%bf%ae%e6%8a%80%e8%a1%93%e5%93%a1-case-no-26130\/","title":{"rendered":"\u50b5\u52d9\u8212\u7de9\u6210\u529f\u500b\u6848\u5206\u4eab | \u6a5f\u96fb\u7dad\u4fee\u6280\u8853\u54e1 | Case No. 26130"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u6027\u5225\uff1a \u7537<br>\u8077\u696d\uff1a \u6a5f\u96fb\u7dad\u4fee\u6280\u8853\u54e1<br>\u5e74\u9f61\uff1a 34\u6b72<br>\u6708\u5165\uff1a HKD20,800<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5ba2\u4eba\u9047\u5230\u7684\u554f\u984c\uff1a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u4eba\u904e\u5f80\u6578\u5e74\u9700\u540c\u6642\u627f\u64d4\u5bb6\u5ead\u65e5\u5e38\u958b\u652f\uff0c\u4e26\u66fe\u9047\u4e0a\u7a81\u767c\u91ab\u7642\u8cbb\u7528\uff0c\u9042\u4ee5\u4fe1\u7528\u5361\u53ca\u79c1\u4eba\u8cb8\u6b3e\u5468\u8f49\uff0c\u6700\u7d42\u5f62\u6210\u591a\u7b46\u9ad8\u606f\u50b5\u52d9\u758a\u52a0\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u64da TU \u7d00\u9304\u986f\u793a\uff0c\u5ba2\u4eba\u7e3d\u5916\u50b5\u70ba HKD468,000\uff0c\u70ba\u6708\u85aa 22.50\u500d\uff08468,000 \u00f7 20,800 \uff1d 22.50\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u6642\u6bcf\u6708\u7e3d\u4f9b\u6b3e\u70ba HKD17,680\uff0c\u4f54\u6708\u5165 85.00%\uff0817,680 \u00f7 20,800 \uff1d 0.85\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6708\u57fa\u672c\u751f\u6d3b\u958b\u652f\u7d04 HKD13,500\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u4eba\u6bcf\u6708\u73fe\u91d1\u6d41\uff1a20,800 \u2212 17,680 \u2212 13,500 \uff1d \u2212HKD10,380.00\uff0c\u9577\u671f\u51fa\u73fe\u7f3a\u53e3\uff0c\u53ea\u80fd\u4ee5\u5faa\u74b0\u501f\u8cb8\u586b\u88dc\uff0c\u58d3\u529b\u6c89\u91cd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5ba2\u4eba\u9078\u7528\u65b9\u6848\uff1a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u50b5\u52d9\u8212\u7de9\uff08Debt Restructuring\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5c08\u696d\u5206\u6790\u53ca\u8655\u7406\u904e\u7a0b\uff1a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d93\u5c08\u696d\u8a55\u4f30\u5ba2\u4eba\u5165\u606f\u7d50\u69cb\u53ca\u9084\u6b3e\u80fd\u529b\u5f8c\uff0c\u5718\u968a\u8207\u9280\u884c\u53ca\u8ca1\u52d9\u516c\u53f8\u5354\u5546\uff0c\u5c07\u6240\u6709\u672a\u6e05\u50b5\u52d9\u6574\u5408\uff0c\u91cd\u8a2d\u5229\u7387\u8207\u4f9b\u6b3e\u5b89\u6392\uff0c\u8b93\u9084\u6b3e\u7bc0\u594f\u56de\u5230\u53ef\u6301\u7e8c\u6c34\u5e73\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6210\u529f\u5c07 HKD468,000 \u5168\u6578\u5408\u4f75<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u6574\u70ba 120\u671f \u6524\u9084<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u65b9\u6848 APR 3.80%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6708\u4f9b\u6b3e\u8a2d\u5b9a\u70ba HKD4,693.92\uff08\u4ee5 HKD0.01 \u8a08\uff1b\u6700\u5f8c\u4e00\u671f\u6309\u5be6\u969b\u9918\u984d\u8abf\u6574\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8212\u7de9\u6210\u679c\uff08\u5168\u90e8\u6578\u5b57\u53ef\u4e92\u76f8\u63a8\u5c0e\uff09\uff1a<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1) \u6bcf\u6708\u4f9b\u6b3e\u8207\u4f9b\u6b3e\u6bd4\u7387<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6708\u4f9b\u6b3e\uff1a\u7531 HKD17,680 \u964d\u81f3 HKD4,693.92<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f9b\u6b3e\u4f54\u6708\u85aa\uff1a\u7531 85.00% \u964d\u81f3 22.57%\uff084,693.92 \u00f7 20,800 \uff1d 0.225669\u2026 \u2192 22.57%\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2) \u73fe\u91d1\u6d41\u6539\u5584<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8212\u7de9\u5f8c\u6bcf\u6708\u73fe\u91d1\u6d41\uff1a20,800 \u2212 4,693.92 \u2212 13,500 \uff1d HKD2,606.08\uff08\u7531\u77ed\u7f3a\u8f49\u70ba\u6b63\u7d50\u9918\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3) \u5e73\u5747\u5229\u7387\u8207\u6bcf\u6708\u5229\u606f\u958b\u652f\uff08\u4ee5\u9996\u6708\u5229\u606f\u4f5c\u4e00\u81f4\u6bd4\u8f03\u57fa\u6e96\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e73\u5747\u5229\u7387\uff1a27.00% \u2192 3.80%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u6708\u5229\u606f\uff08\u4ee5\u300c\u7e3d\u5916\u50b5 \u00d7 APR \u00f7 12\u300d\u8a08\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8212\u7de9\u524d\uff1a468,000 \u00d7 0.27 \u00f7 12 \uff1d HKD10,530.00<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8212\u7de9\u5f8c\uff1a468,000 \u00d7 0.038 \u00f7 12 \uff1d HKD1,482.00<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4) \u5168\u671f\u5229\u606f\u7bc0\u7701\uff08\u57fa\u6e96\u6e05\u6670\u3001\u7d50\u679c\u7cbe\u6e96\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u70ba\u78ba\u4fdd\u6bd4\u8f03\u4e00\u81f4\uff0c\u4ee5\u4e0b\u4ee5\u300c\u628a\u7e3d\u5916\u50b5\u8996\u4f5c\u4e00\u7b46\u672c\u91d1 HKD468,000 \u7684\u7d71\u4e00\u6524\u9084\u6a21\u578b\u300d\u8a08\u7b97\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8212\u7de9\u524d\uff08\u5e73\u5747 APR 27.00%\uff0c\u4ee5\u73fe\u6642\u6bcf\u6708\u4f9b\u6b3e HKD17,680 \u511f\u9084\uff09\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5171\u9700 41\u671f \u6e05\u9084\uff08\u6700\u5f8c\u4e00\u671f HKD12,197.23\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5168\u671f\u5229\u606f\u5408\u5171\uff1aHKD251,397.23<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8212\u7de9\u5f8c\uff08APR 3.80%\uff0c120\u671f\uff09\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996119\u671f \u6bcf\u671f HKD4,693.92\uff1b\u7b2c120\u671f \u8abf\u6574\u70ba HKD4,693.25<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5168\u671f\u5229\u606f\u5408\u5171\uff1aHKD95,269.73<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5408\u5171\u7bc0\u7701\u5229\u606f\uff1a251,397.23 \u2212 95,269.73 \uff1d HKD156,127.50<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u63d0\u4f9b\u65b9\u6848\u539f\u56e0\uff1a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u4eba\u4efb\u8077\u6a5f\u96fb\u7dad\u4fee\u6280\u8853\u54e1\uff0c\u5165\u606f\u7a69\u5b9a\uff0c\u4e26\u4ee5 Auto Pay \u51fa\u7ce7\uff0c\u5177\u5099\u9577\u671f\u898f\u5283\u9084\u6b3e\u7684\u57fa\u790e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u6709\u4f9b\u6b3e\u7d50\u69cb\u56b4\u91cd\u5931\u8861\uff0c\u73fe\u91d1\u6d41\u6bcf\u6708\u77ed\u7f3a HKD10,380.00\uff0c\u82e5\u4e0d\u8abf\u6574\u53ea\u6703\u4e0d\u65b7\u4ee5\u65b0\u50b5\u519a\u820a\u50b5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u900f\u904e Debt Restructuring \u628a\u9ad8\u606f\u3001\u5206\u6563\u3001\u96e3\u7ba1\u7406\u7684\u4f9b\u6b3e\u6574\u5408\u70ba\u4f4e\u606f\u4e14\u53ef\u9810\u671f\u7684\u8a08\u5283\uff0c\u5ba2\u4eba\u5f97\u4ee5\u91cd\u5efa\u73fe\u91d1\u6d41\uff0c\u9010\u6b65\u56de\u5fa9\u6b63\u5e38\u751f\u6d3b\u8207\u8ca1\u52d9\u79e9\u5e8f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>34\u6b72\u6a5f\u96fb\u7dad\u4fee\u54e1\u56e0\u9ad8\u606f\u50b5\u52d9\u53ca\u591a\u7b46\u8cb8\u6b3e\u58d3\u529b\u7206\u7172\uff0c\u6708\u4f9b\u6c89\u91cd\u96e3\u4ee5\u5468\u8f49\u3002\u900f\u904e\u50b5\u52d9\u91cd\u7d44\u8207\u50b5\u52d9\u8212\u7de9\u6210\u529f\u6574\u5408\u8cb8\u6b3e\uff0c\u6708\u4f9b\u5927\u6e1b\u73fe\u91d1\u6d41\u8f49\u6b63\uff0c\u91cd\u5efa\u8ca1\u52d9\u72c0\u6cc1\u3002\u9069\u5408\u641c\u5c0b\u6e05\u5361\u6578\u65b9\u6cd5\u3001\u50b5\u52d9\u7ba1\u7406\u3001\u6e1b\u4f4e\u6708\u4f9b\u3001\u8ca1\u52d9\u91cd\u6574\u65b9\u6848\u7684\u9999\u6e2f\u7528\u6236\u3002\u5c08\u696d\u5718\u968a\u52a9\u4f60\u8655\u7406\u50b5\u52d9\u554f\u984c\uff0c\u4e86\u89e3\u66f4\u591a\u5982\u4f55\u8d70\u51fa\u56f0\u5c40\u3002<\/p>\n","protected":false},"author":2,"featured_media":3910,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"1080","footnotes":""},"categories":[33,30],"tags":[],"class_list":["post-3909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-33","category-success-cases"],"yoast_head":"<!-- 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