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Lots of professional loans or shorter-time period loans are During this category. In contrast to the initial calculation, which happens to be amortized with payments distribute uniformly around their lifetimes, these loans have a single, significant lump sum due at maturity. 理論上，因現時無法例規定貸款機構不可以借錢予已破產人士，所以他們最後如批出貸款，亦是商業決定，並無犯法。但現實操作上，銀行及財務公司會因應風險管理，都有一套守則，甚少會借貸予破產人士。 在法治國家都有一套替私人解決債務的破產程序，避免因私人債務問題引發社會問題。 銀行和財務公司有特定審批貸款標準，貸款唔
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