出典 精選�?日本国語大辞典精選版 日本国語大辞典について 情報
#個別客戶的利率或有差異，歡迎致電本行熱線了解。若您的貸款申請未能符合信貸評分及其他審批貸款的有關因素或要求，中國銀行（香港）有限公�?(「中銀香港�?會按個別情況作出批核，惟息率可能有所調整，中銀香港會於貸款正式批核後，通知您調整後之息率。貸款計算機上所顯示的計算僅供參考，客戶的實際還款責任將取決於每項中銀分期「易達錢」借款安排下的實際條款。
證明債務的文件（如本票） https://minecraftcommand.science/profile/parrothorn0 。貸款致使標的資產在貸款人與借款人之間，在一段時間內的重分配。
Under the Golden Edge plan we provide, upon the payment of the least twelve EMIs, the Customer shall have the choice to foreclose the loan in complete or aspect in direction of the excellent principal quantity of the loan with none prepayment charge When the loan is pay as you go from individual resources.
We indicate a loan for household advancements like changing long lasting fixtures and fittings for instance your kitchen area or toilet, introducing double glazing, incorporating a conservatory, including an extension or earning structural modifications.
武漢肺炎 旅遊保險包唔包？【大斷貨】邊度仲有口罩賣？網購專用信用卡比較【日常開支�?家用/水電�?寬頻/保險 雜費 �?積分 教學信用卡超市優�?2023HKTVmall 信用卡優惠合集
Lenders are frequently hesitant to lend large amounts of revenue with no assurance. Secured loans reduce the potential risk of the borrower defaulting due to the fact they risk getting rid of whatsoever asset they put up as collateral.
I switched my current loan to HDFC Bank and it was the most effective economic choices I've produced. Their harmony transfer procedure was easy, along with the decrease curiosity costs helped me preserve lots of money.
信貸評級是銀行和財務公司對貸款批核的主要標準之一，不僅對於批核成功與否影響重大，亦影響貸款批出的實際年利率。一般而言較好的信貸評級會得到較優惠的貸款實際年利率。
This is an illustrative example. The speed you're offered depends upon the loan term and volume decided on, and your person situations.
騰富金融提供多樣化的貸款方案，並秉持著「快速撥款、息低保密」的理念，讓客戶能夠安心借款、輕鬆還款。
�?奈良・平安時代、利息をとらないで、官稲などを貸し与えたこと。利息つきの貸借である出挙(すい�?に対する語。貧窮の百姓を救済し、また勧農のため行なわれたもの。賑�?しんたい)。
上述產品及服務受條款及細則約束。詳情請參閱相關宣傳品或向中銀香港職員查詢。
「父債子還」這個概念在台灣社會中存在已久，許多人認為子女理所當然要為父母的債務負責。然而，隨著民法的修正，繼承債務的處理方式已有所不同。面對龐大的家庭債務，繼承人該如何應對？是否一定要承擔還債責任？本文律師將針對父債子還的法律規定進行解析，說明繼承債務的範圍和分擔方式！
This is to inform that by clicking over the hyperlink, you may be leaving sc.com/cn/en and getting into a web site operated by other functions: These kinds of hyperlinks are only furnished on our Site with the comfort on the Shopper and Common Chartered Financial institution would not Handle or endorse this kind of Internet sites, and is not answerable for their contents. The use of such Web site can be topic into the conditions of use as well as other terms and pointers, if any, contained inside of Every single this kind of Internet site.
向破產管理署署長提交一份呈請書的蓋印副本和一份資產負債狀況說明書的副本
本刊物所提供的資料只供參考之用。政府不會就本刊物所提供的資料的準確性給予明示或隱含的保證，也不會對本刊物的內容負責。
256-little bit encryption know-how scrambles your SSN right into a code so advanced that it might take billions of years for even the most powerful computers to decrypt without the critical.
人生難免會高低起跌，假如你在創業、買樓、進修、入醫院做手術等不同的人生大事上急需要資金周轉，找渠道借錢去應對難關是最直接的方法。在香港借貸款的渠道很多，不過各個借錢渠道各有利弊，以下就為大家總結不同借錢方式的利弊，教你挑選適合自己的借錢途徑。
自金管局發出虛擬銀行牌照後，香港銀行數碼化步伐加快，現時多間傳統及虛擬銀行，均設有網上申請貸款平台。只要在網上填妥表格後，將證明文件（主要包括身份證、入息證明及住址證明）拍攝及上載，即可完成遞交申請。少數虛擬銀行甚至免收入息證明及住址證明。經銀行網上渠道申請貸款，可快至即日獲批及提取資金。
By clicking "Ask for Loan", you consent to your Conditions & Disorders, Privateness Plan, Credit rating Authorization, E-Consent, and you are delivering created Guidelines under the Fair Credit rating Reporting Act authorizing us and our Community Associates or licensed third functions on their own behalf with whom your ask for is shared to get your shopper credit rating report, and to Get hold of you at the knowledge on file to obtain delivers for economic products or solutions. In addition, you supply your express published consent to obtain calls and text messages, together with for marketing needs, from FastLoanDirect, its Community Partners, and any approved 3rd events contacting or texting on their behalf to Speak to you at , produced as a result of automated indicates, like autodialers and prerecorded or artificial voices even though your quantity is listed in any Federal, Condition or internal DNC listing. Consent isn't essential as a ailment to use our expert services. Chances are you'll simply call (805) 429-6064 to speak with a purchaser treatment agent. By clicking "Request Loan", you consent into the Conditions & Circumstances, Privateness Coverage, Credit Authorization, E-Consent, and also you are delivering penned Directions beneath the Truthful Credit rating Reporting Act authorizing us and our Network Partners or authorized third events on their behalf with whom your request is shared to get your consumer credit score report, and also to Call you at the data on file to get provides for economical products and solutions or expert services.
虛擬銀行迎新優惠虛擬銀行存款利率比較虛擬銀行銀扣賬�?/ 信用卡虛擬銀行貸款
對於第一次接觸到貸款的人來說，除了做每個銀行機構提供的方案比較外，應該也都會好奇其他人的實際貸款經驗如何吧？
邊間銀行借錢易？ expand_more 這需視乎申請人的財務狀況而定，信貸評級越高，銀行貸款較易批核。反之，申請人信貸評級越低，則較獲取其貸款優惠、最優惠利率或最低息利率，甚或拒絕借貸申請。
私人貸款 熱門貸款 私人分期貸款 稅務貸款 財務公司貸款 結餘轉戶 汽車貸款 循環貸款/私人透支 業主貸款 中小企貸�?銀行貸�?小額貸款 易批貸款 特快貸款 免露面貸�?私人貸款指南 私人貸款常見問題 私人貸款相關常用詞彙 私人貸款銀行或機構 旅遊保險比較
緒言 提交呈請的程�?破產的影�?破產人的責任 債權人的權利 派發債款 解除破產 破產罪行 參考資�?查詢／投�?緒言
網上申請特快服務承諾：於任何辦公日中午前遞交網上申請，將有專人於當日跟進
With a single, easy sort, you may access a community of lenders providing much more solutions to fulfill your preferences. Full the form in minutes from the consolation of your private home, and if accepted, delight in future-working day immediate deposit suitable into your account.
另一個重要的後果是信貸記錄將受到嚴重影響。即使破產令在四年後自動解除，但破產記錄仍然會在信貸報告中保留很長時間。在此期間，任何人都可以查詢到這些記錄，因此未來申請貸款、信用卡或其他金融服務時，這些記錄都可能成為障礙。對於那些希望重新建立信用的人來說，這是一個非常大的挑戰。
卡數越滾越大，可考慮申請結餘轉戶貸款，以較低息貸款一次過清還高息信用卡數。
請透過官方軟件應用商店或中銀香港網頁下載中銀香港流動應用程式，並注意搜尋的識別字樣。
邦民日本財務(香港)有限公司保留貸款批核�?或獎賞換領之最終決定權，以及在沒有預先通知下如認為適合可隨時修訂是次推廣活動之條款。
破產受託�?破產管理署會根據破產人士的生活需要，批出每月可用的生活費用，滿足破產人士和其受養人衣、食、住、行生活開支上的需要。
It had been less difficult than I imagined locating a lender with credit challenges in past times, however you did it. Thank both you and your team to your assist.
根據《破產條例》的條文，破產管理署署長須就破產人的破產令在憲報和兩份報章（中英文各一份）上刊登公告。破產管理署署長亦須把破產人的破產記錄載入登記冊，供公眾在繳付訂明的費用後查閱。法例並無列明該記錄可從上述登記冊移除。
此網頁僅供信息參考之用。部分服務和功能可能在您所在的司法轄區不可用。
生活開支的監管也相當嚴格。破產管理署會要求提供詳細的開支報告，以確保破產人不會在生活中進行奢侈消費。例如，購買奢侈品、外出就餐或度假等行為都可能被視為不合理開支，因此需要謹慎處理。在這種情況下，許多破產人發現自己不得不過著簡樸的生活，這對他們的心理和情感健康造成了影響。
Rapidly Loan Immediate advises borrowers to grasp personal loans, warning that implementing for the maximum volume can maximize repayment burdens. The company recommends assessing repayment potential and loan necessity to stability rapid requirements with lengthy-term hazards, selling dependable borrowing.
關於中銀分期「易達錢�?中銀分期「易達錢」結餘轉�?「貸合適」稅務貸�?百分百擔保個人特惠貸款計劃/百分百擔保個人特惠貸款計劃（適用於業主申請)之條款及細則及分期貸款產品資料概要修訂的通告
Ailments—The existing condition with the lending weather, traits from the sector, and what the loan might be utilized for
^電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。
The most common secured loans are mortgages and auto loans. In these examples, the lender holds the deed or title, which is a illustration of possession, until finally the secured loan is absolutely paid out. Defaulting on a property finance loan commonly ends in the bank foreclosing on a home, though not shelling out an automobile loan implies that the lender can repossess the car.
Many thanks for serving to us discover a household fairness loan with no earning us refinance our mortgage loan. https://www.pdc.edu/?URL=https://loanhelp.top/ obtained the funds we wanted, and we respect you.
無論是銀行或財務公司提供的私人貸款，都有一定的申請程序，批核與否及批出金額，要視乎申請人的財務狀況、信貸評分及還款能力。但只要申請人符合條件，申請手續就相對簡便，亦能很快獲得資金。每月定額還款，亦令借款人有更好的預算。然而，對於沒有正職、自僱或失業人士，一般就較難向銀行申請到私人貸款，只能向較寬鬆的財務公司求助，並需要付較高的利息。
申請破產影響深遠，若你債務甚多無法償還，可考慮申請結餘轉戶私人貸款，助你整合各債務，更可節省更多利息。
This can be to tell that by clicking around the hyperlink, you will be leaving sc.com/cn/en and moving into a web site operated by other functions: Such back links are only offered on our Site to the benefit in the Customer and Typical Chartered Lender would not Command or endorse these kinds of Web-sites, and isn't responsible for their contents. Using this sort of Web-site is also issue to the conditions of use and also other phrases and pointers, if any, contained inside each these kinds of Web page.
渣打「分期貸款」服務讓您快捷方便地擁有靈活資金，手續簡單，利率特低，助您達成各種計劃
本網頁借貸內容僅供參考，貸款額度及利率依個人實際條件差異而有所不同，本公司保有核貸額度、適用利率與核貸與否之權利。
出境前要通知破產受託人，唔可以申請信用卡、私人貸款，唔可以繼續供保險，唔可以亂使錢（例如：自費出國旅遊、搭的士等）。
We've simplified the personal loan application system. You may make an on line personalized loan application in just a couple clicks
瀏覽人士使用中銀香港流動應用程式即表示同意中銀香港於流動應用程式不時所載之免責聲明及政策。
電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。
騰富金融提供多樣化的貸款方案，並秉持著「快速撥款、息低保密」的理念，讓客戶能夠安心借款、輕鬆還款。
要開始申請破產程序，破產人需先向破產管理署署長提交「債務人破產呈請書」及「資產負債狀況說明書」。相關表格和費用可於債務人破產呈請程序簡介頁面免費下載和查閱。
所有經此申請渠道申請的分期貸款，只提供非紙張形式條款及細則，如有需要可到分行索取有關資料的紙質版本。
除了信貸評分外，向哪一類貸款機構借錢，對私人貸款是否低息及易批亦有莫大影響。
虛擬銀行迎新優惠虛擬銀行存款利率比較虛擬銀行銀扣賬�?/ 信用卡虛擬銀行貸款
破產舊時又叫報窮，係由英文bankrupt音義俱譯嘅名稱，舊時香港成日用，依家大馬重有用緊。
獲准破產之後可以暫時停止還債，除咗生活費之外，收入要交由破產管理官處理，用嚟還債。
循環貸款：申請人獲批貸款限額後，還款期及還款額視乎借款人實際提取的金額而定，原理與信用卡簽賬類似。
If desire charges tumble, your payments will remain a similar and your amortization time period will minimize, this means you can pay back your loan sooner.
Providing an employer contact number drastically boosts your possibilities of obtaining a loan. When you are on Positive aspects, You should use the telephone number of the government Business that provides your Advantages. Enter Employer Cellphone
上述產品及服務受條款及細則約束。詳情請參閱相關宣傳品或向中銀香港職員查詢。
目前市面上不看信用情形的專業貸款公司非常多，這些公司的核貸標準較銀行寬鬆，許多被銀行退件的案子也願意接收，即使信用不良或是有信用瑕疵也可以申貸。
申請私人貸款一般需要多久？ 傳統銀行一般需時約一星期審批貸款，近年有銀行及財務機構推出網上特快審批貸款渠道，可快至即日提取貸款。
鈔優貸以專業、負責、同理心為核心價值，致力於提供最合適的貸款服務，協助客戶解決資金問題。
環聯信貸評級分為A至J級，擁有良好信貸評級，在申請私人貸款時可望得到更佳的實際年利率及其他優惠；相反，信貸評級越低，借款人的貸款利息開支就會越高，甚至可能無法獲批貸款。
破產是一項法律程序。當一名欠債人無力償還債務時，可主動向法院提交破產呈請；而債權人 (亦稱債主) 亦可向法院提交呈請，以破產令使欠債人破產。破產的目的，是要收集和變現欠債人的全部資產，並攤分給債權人 (亦稱債主)。
Listing your overall offered income which include wages, retirement, investments, and rental Attributes. You're not essential to disclose cash flow that is alimony, kid aid or different maintenance Until you would like to use that revenue to qualify for a loan.
得獎者應確保其於中銀香港登記的流動電話號碼記錄正確，而流動電話號碼能接收手機短訊。
The Financial institution does not have any control (editorial or otherwise) more than the linked 3rd party Web site and isn't in almost any way responsible for the contents offered therein.
如果計劃在未來幾年內提取資金，另一破產後果是可能會對您業務產生不利影響。需要注意，破產紀錄不是保密的，並且會出現在可公開的登記冊上。
「很好貸」在官網上提供完整的貸款顧問團隊資訊，讓你可以根據貸款需求，找到最適合的顧問專員，顧問專員都具有豐富的經驗，能夠提供專業的諮詢服務，幫助解決貸款疑問。
如果您認為匯率會上漲，您可以開啟一個‘買入�?倉位。相反，如果您認為匯率會下跌，您可以開啟一個‘賣出’倉位。
自金管局發出虛擬銀行牌照後，香港銀行數碼化步伐加快，現時多間傳統及虛擬銀行，均設有網上申請貸款平台。只要在網上填妥表格後，將證明文件（主要包括身份證、入息證明及住址證明）拍攝及上載，即可完成遞交申請。少數虛擬銀行甚至免收入息證明及住址證明。經銀行網上渠道申請貸款，可快至即日獲批及提取資金。
實際年利率乃根據香港銀行公會所載的有關指引計算。實際年利率是壹個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。
^電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。
有關發行國的風險——國�?地區的政治和經濟穩定性會影響其貨幣的實力。通常，主要經濟體的貨幣有更大的流動性，波動性一般比發展中國家低。
得獎者應確保其於中銀香港登記的流動電話號碼記錄正確，而流動電話號碼能接收手機短訊。
破產人或許不能在某些行業執業，例如律師、地產代理、證券交易商或出任有限公司的董事。破產人應該諮詢有關專業團體，求取進一步的資料。
The Lender does not have any Handle (editorial or otherwise) above the joined third party Web-site and is not in any way accountable for the contents accessible therein.
The Financial institution does not have any control (editorial or if not) around the connected 3rd party Internet site and isn't in almost any way to blame for the contents offered therein.
^電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。
閱讀完本篇文章後，你是否也對線上借款平台推薦及挑選方法，有了更深入的了解呢？
此外，許多人在申請破產前並未充分考慮到他們所擁有的資產可能會被接管和變賣。這包括一些看似無價值的物品，如藝術品、古董或其他收藏品。在某些情況下，即使是個人珍藏的物品也可能被視為資產的一部分，因此在進行破產申請之前，了解哪些資產可能受到影響是至關重要的。
A secured loan implies that the borrower has place up some asset like a method of collateral before staying granted a loan. The lender is issued a lien, that's a ideal to possession of house belonging to a different human being until eventually a personal debt is paid. Quite simply, defaulting with a secured loan will provide the loan issuer the lawful ability to seize the asset which was set up as collateral.
要樂觀 �?儘管破產可能對生活造成很大的改變和影響，但這並不是末路。債務人只需要保持積極的態度，努力遵守破產的法規，準時償還債務。心理方面，債務人亦應吸取教訓， ua貸款 。
破產人毋須再為巨債擔心，錢債官司會停頓、民事訴訟的討債行動亦會因破產條例遭凍結，即時舒緩破產人因無力還款而承擔的精神壓力。
loan Could a policy of demand from customers management, involving deficit paying outside of loans, have obtained full employment within the 1930s? 來自 Cambridge English Corpus The loans had to be fitted into the prevailing program. 來自 Cambridge English Corpus Even the lender supervisor will take participation while in the task into account When thinking about loans to co-operatives. 來自 Cambridge English Corpus Individuals in need of capital could receive loans to venture into enterprise. 來自 Cambridge English Corpus The nearby black entrepreneurs complain that it is extremely hard to get these kinds of loans and that they're not informed why their apps are rejected.
有關槓桿的風險——在不穩定的市場條件下，槓桿交易可能會導致更大的損失（也可能是更大的資本收益）。
長期居住在香港或擁有香港身分證的外籍人士可以簡單地從銀行借貸，但如果你是新來港，貸款批核就會較慢，畢竟你只來到香港一段時間，而且沒有足夠的過住信貸紀錄。
對於許多希望出國旅行的人來說，破產也帶來了出境限制。雖然法律上並不禁止破產人士出境，但所有旅費必須由他人支付，而不能動用自己的資金。此外，在每次出境前，破產人士必須提前通知破產管理署並提供詳細行程，包括旅行目的地和住宿信息。如果未能遵守這些規定，有可能導致被視為不合作，而延長破產期限。
債務重組與破產是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：
貸款機構廣告常以低息及高貸款額作賣點，以吸引客戶借更多。然而，即使借得起，您亦未必需要「借到盡」，超出實際需要的貸款，將增加您要支付的利息及還款壓力。另外，借錢前要認真衡量自身還款能力，避免因還款而嚴重影響日常生活。
If you're eligible you could apply to hold off your repayment by 2 months At the beginning within your loan. Paying your loan
請提供以下資料以計算每月還款金額及模擬私人貸款還款表例子�?貸款�?港幣)：
资助维基百科 外观 创建账号 登录 个人工具 创建账号
申請私人貸款時，最多人關注的指標是貸款實際年利率，除此以外，還款期、最高貸款額、手續費、回贈優惠等，均影響借款人的最終借貸成本，借錢時不可忽視這些因素。
現時銀行或財務機構提供多款私人貸款產品，私人貸款主要分為有抵押及無抵押貸款，有抵押貸款包括房屋按揭、加按套現、汽車貸款等，因有抵押財物作為擔保，借到的金額會比較多，利息也會較為低廉，而可借的最高金額會視乎抵押物的價值，而最後如未能償還貸款，會被借款公司收走抵押物。
破產人可向法院提交抗辯書，法院將會進行聆訊。但是，破產人須緊記，如果法院裁定破產人的抗辯失敗，法院可能會向破產人發出訟費命令。
A loan is a deal among a borrower and a lender by which the borrower receives an sum of money (principal) that they're obligated to pay back Sooner or later. Most loans can be classified into one among 3 groups:
EXPAND your request to incorporate supplemental financial options that specialize in consolidating unsecured debt.
破產人的資產將會繼續受管理，直至破產人的所有資產已分發給破產人的債權人以及破產人的受託人獲解除職務為止。破產人就該物業所佔的份額將會歸屬破產人的破產案受託人，受託人會嘗試出售破產人就該物業所佔的份額，並將售賣所得款項分發給破產人的債權人。
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Increase your ask for to INCLUDE more monetary possibilities that specialise in consolidating unsecured personal debt.
Your month to month loan instalment is going to be quickly debited out of your checking account with a day you selected at time of application
There exists a pre-approved provide you could avail of by way of NetBanking wherein no paperwork are expected. If You aren't suitable for a pre-approved offer you, files are necessary to confirm the profile and loan eligibility.
如果破產人在銀行界工作，根據《銀行業條例》，破產人須通知破產人的僱主。 epaycash 蝬脖�鞎豢� 。
本網站之資訊為一般性質。在考慮該等資訊時請結合您的目標、經濟情況和需求。
申請私人貸款的必備「三寶」包括身份證、住址證明及入息證明。我們宜養成妥善保管這些文件的好習慣，對申請私人貸款、按揭、信用卡及的處理其他個人財務事宜無往而不利。自僱人士或自由工作者，可用強積金供款、銀行月結單、稅單等文件作為入息證明，尤以稅單最易被貸款機構信納，因此有貸款需求的人士，記得妥善地申報入息及交稅。
As registered credit history and authorised financial solutions service provider, RCS is governed because of the Nationwide Credit score Act in examining regardless of whether we can offer you credit.
Editorial Be aware: We generate a Fee from lover backlinks on Forbes Advisor. Commissions don't impact our editors' views or evaluations. Own loans really are a style of financing borrowers may get from conventional financial institutions, credit unions or on the net lenders, by which they get a lump-sum payment they could use for nearly any authorized own expense.
This split is barely out there At first of one's loan.This crack is just available At the beginning of the loan. When your application for this selection is successful, then the 1st payment will be taken the 3rd thirty day period once the situation in the loan.If the application for this selection is productive, then the first payment will be taken the 3rd thirty day period once the difficulty in the loan. Curiosity will probably be charged in the payment break along with your In general loan period will be extended by two months, meaning that you'll pay an extra two months' interest.
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客戶服務部份則是會比較取決於平台提供的品質，有些平台的服務提供可說是相當到位，不只能及時解決反應問題，在諮詢方面也都是非常全面。
自金管局發出虛擬銀行牌照後，香港銀行數碼化步伐加快，現時多間傳統及虛擬銀行，均設有網上申請貸款平台。只要在網上填妥表格後，將證明文件（主要包括身份證、入息證明及住址證明）拍攝及上載，即可完成遞交申請。少數虛擬銀行甚至免收入息證明及住址證明。經銀行網上渠道申請貸款，可快至即日獲批及提取資金。
Quite a few purchaser loans drop into this classification of loans which have standard payments that are amortized uniformly about their life span. Schedule payments are created on principal and fascination until the loan reaches maturity (is totally paid out off). A few of the most common amortized loans incorporate mortgages, auto loans, university student loans, and personal loans.
Some loans, like balloon loans, can even have more compact schedule payments for the duration of their lifetimes, but this calculation only performs for loans with only one payment of all principal and desire because of at maturity.
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Many lenders have to have discounts of at the least two to 3 times your regular monthly property finance loan amount of money in reserve to finish the underwriting procedure.
The annual amount of interest is the amount of curiosity that should be charged on the loan, for a percentage of the amount you owe, more than a year.
而一般來說，提供優質服務的公司業者，才會獲得眾多好評，成為口耳相傳的推薦選擇。
申請人需前親身前往高等法院登記處繳交法庭費用，並確定聆訊的日期和提交呈請書及資產負債狀況說明書。
In order to qualify for the lowest mortgage loan premiums, comply with these methods to put the percentages with your favor: