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居屋抽簽及居屋揀樓

Description:
Are you navigating the complexities of divorce and wondering how to fairly divide property and assets? In this video, we break down the four essential steps of property division during a divorce. With real-life scenarios and practical examples, we guide you through:

1️⃣ Identifying and evaluating assets like real estate, stocks, and savings.
2️⃣ Understanding both financial and non-financial contributions, such as homemaking and childcare.
3️⃣ Assessing future needs, including health conditions and children’s requirements.
4️⃣ Structuring a settlement that ensures fairness and protects your interests.

💡 Learn how to approach asset division, protect your rights, and achieve a fair outcome with professional legal insights.

If you’re facing challenges in divorce property division, our expert legal team is here to assist.

📩 Contact us today for personalized guidance.

Hashtags:
#Divorce #PropertyDivision #LegalAdvice #DivorceSettlement #FamilyLaw #AssetProtection #FairSettlement #LegalHelp #DivorceTips

Call-to-Action (CTA):
💼 Need help with your divorce? Contact our legal experts for tailored advice. Leave your questions in the comments below, and don’t forget to like, share, and subscribe for more legal tips and insights!

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Title: Understanding Loan Call Risks
Breaking down the risks of banks calling loans.
Why banks call loans and the risks involved.
Steps you can take to protect yourself from sudden loan calls.
What is a "Call Loan"?
When property prices fall significantly below the outstanding mortgage value.
Bank's Action:
The bank may demand borrowers pay the shortfall in cash.
This situation is referred to as a "call loan."
Why Do Banks Call Loans?
To protect their financial exposure.
Key Trigger:
When the value of your property is no longer enough to cover your loan.
When It Happens:
Particularly common during economic downturns.
Occurs during significant property market corrections.
Example:
Imagine you bought a property for HK$5 million with a HK$4 million mortgage.
If the property value drops to HK$3.5 million, the bank will assess the loan-to-value (LTV) ratio.
Loan-to-Value Ratio Explanation:
The bank lent you 70% of the property’s original value, which equals HK$3.5 million.
When the property value falls to HK$3.5 million, applying the 70% LTV means the new loan cap is HK$3.5 million x 70% = HK$2.45 million.
The outstanding loan is HK$4 million, so the bank might demand you pay the shortfall of HK$1.55 million (HK$4 million - HK$2.45 million) in cash.
Key Risk:
This repayment demand ensures the LTV ratio is maintained, but it places significant financial pressure on the borrower.



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💡 Want to Build Wealth Like Rich Dad Poor Dad in Hong Kong? 💡

Let’s dive into how you can grow and protect your wealth with the right legal tools in Hong Kong!

🏦 Asset Protection
Rich Dad emphasizes building assets. In Hong Kong, setting up a limited company can shield your personal assets while investing in property or running a business.

Why a Limited Company?
A limited company offers limited liability and operates as a separate legal entity, creating a protective shield for your personal assets. It’s a must for managing financial and business risks effectively.
📉 Tax Efficiency
Minimize taxes like Rich Dad!

Hong Kong’s two-tiered profits tax system:
8.25% on the first HK$2 million of profits.
16.5% on the remainder.
Plus, no capital gains tax = more wealth growth opportunities!
📜 Will, Estate Planning, and No Inheritance Tax
Plan your estate wisely!

Hong Kong has no inheritance tax, so your beneficiaries can inherit your assets tax-free.
Draft a will to ensure smooth asset distribution and avoid unnecessary legal complications.
🏘️ Investing in Real Properties
Invest in real estate like Rich Dad!

Owning property is a powerful wealth-building strategy in Hong Kong.
Understand the rules:
Stamp duty rates.
Mortgage restrictions.
Using rental income to grow your portfolio.
💼 Think Like Rich Dad with a Solid Legal Foundation
Secure your wealth and future with expert legal advice tailored for Hong Kong’s unique system.

📩 Contact us today to start building your wealth the smart way!

#RichDadPoorDad #WealthBuilding #HongKongLaw #AssetProtection #EstatePlanning #TaxEfficiency #RealEstateInvesting #FinancialFreedom如果喜歡我地既影片，立即訂閱
法Channel
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咩係「資不抵債」？]
📍 定義：
「資不抵債」意思係物業現時市值，已經低過你尚未償還嘅按揭金額。例如，你借咗$800萬按揭，但物業跌到只值$700萬。

📍 點解會出現？

樓市大跌📉，物業貶值。
業主冇還夠本金，只還咗利息，導致負資產。

銀行點處理？]
📍 銀行點解會Call Loan？

銀行為保障自身利益，如果物業跌價嚴重，會要求借款人補差價，例如現金補回資不抵債嘅金額。
例子：如果你的物業跌咗$100萬，銀行可能要求你即刻補返呢個數。
📍 唔補嘅後果？

銀行有權「Call Loan」，即要求你即刻清還所有餘額。
借款人無能力清還，銀行可以申請強制收樓，甚至公開拍賣物業還債。

借款人有咩選擇？]
📍 法律應對：
1️⃣ 談判還款條件：試向銀行解釋財務狀況，請求展期或調整分期金額。
2️⃣ 轉按：搵其他財務機構重組貸款，但利息可能更高。
3️⃣ 諮詢專業律師：確保自己權益受到保障，並了解法律程序。

📍 注意事項：

唔好逃避同銀行溝通，越拖得耐，後果越嚴重！
如果銀行提出訴訟，應及早應對，避免拖累信用紀錄。

📍 買樓前要做足準備：
1️⃣ 審視自己的供樓能力，避免過高槓桿。
2️⃣ 儘量還本金，減少負資產風險。
3️⃣ 多了解樓市走勢，唔好炒樓過度投機。

📍 如果樓市下跌：

主動了解物業現值，定期審視按揭合約條款。
儲備應急金，防止突如其來嘅要求。

📢 「Call Loan雖然聽落恐怖，但有方法應對！最緊要早啲同銀行溝通，唔好等到收到律師信先手忙腳亂！」

📢 「如果大家有咩問題，記得喺留言區問我哋，或者聯絡專業律師團隊！記得Like同Subscribe，幫你守護法律權益！」

📞 需要法律協助？WhatsApp我哋：https://wa.me/85262149999

#按揭風險 #CallLoan #物業價格下跌 #法律懶人包 #香港法律 #按揭法律解釋

香港警察幾時會開槍？🔫

1️⃣ 救命要緊！
當有人威脅到人命，警察會開槍自保或者保護其他人，譬如有人持刀亂咁砍，真係無得揀先會開槍。

2️⃣ 制止大鑊罪行！
如果有人快啲做出會害死人嘅大鑊事，例如炸彈狂徒準備引爆炸彈，警察會用槍制止。

3️⃣ 捉住危險逃犯！
如果啲犯人係暴力犯，仲持住武器想走人，警察有權開槍阻止，免得佢繼續傷害其他人。

⚠️ 重點提醒：

開槍係最後一步，唔係亂嚟！
必須合理、必要先可以用。
開完槍要交代同接受調查。
💬 有咩睇法？留言講吓啦！

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