法律3分鐘
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法律3分鐘:46歲菲傭死亡之迷。菲傭每日工作21小時,辭職後房間突然昏迷,送院不治死亡,死因庭裁決死於自然。裁判官下令警方調查中介、僱傭公司及已移民女僱主。
法律3分鐘:46歲菲傭死亡之迷。菲傭每日工作21小時,辭職後房間突然昏迷,送院不治死亡,死因庭裁決死於自然。裁判官下令警方調查中介、僱傭公司及已移民女僱主。 -
法律3分鐘:有手續都可以辦到離婚,要脫離父子關係,報紙登個聲明,是否就此搞掂?脫離父子關係是否可以免除「父債子還」?
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法律3分鐘:移民前未能賣樓,授權書 power of attorney 必須有足夠授權可以賣樓,簽名樣式要與買樓時樓契吻合。
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法律3分鐘:買銀主盤的朋友注意,經拍賣或代理買入銀主盤,法律手續不一樣!買入前必須先查契,否則可能後悔莫及。
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法律3分鐘:爲乜要立遺囑?什麼時候立遺囑呢?爲乜要找律師辦理?收費多嗎?
爲乜要立遺囑?什麼時候立遺囑呢?爲乜要找律師辦理?收費多嗎? -
【居屋2022攪珠13/6/2022已有結果】居屋2022、白居二2022申請編號邊度睇?中簽揀樓如何排先後?
居屋抽簽及居屋揀樓
法律懶人包
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香港離婚財產分配全解:步驟、範例與法律視角
正在面對離婚的財產分配問題,不知道如何公平處理資產?在這部影片中,我們為您逐步解析 離婚財產分配的四大關鍵步驟,並結合真實案例,幫助您更好地應對挑戰:
1️⃣ 識別並評估資產,例如物業、股票和現金儲蓄。
2️⃣ 理解財務與非財務貢獻,如家務勞動與育兒付出。
3️⃣ 評估未來需求,包括健康狀況和子女需要。
4️⃣ 制定公平合理的結算結構,保障雙方利益。
💡 掌握如何處理資產分配、保護自身權益,並獲得專業法律見解,幫助您達成公平的結果。
如果您在財產分配方面遇到挑戰,我們的專業律師團隊隨時為您提供協助。
📩 立即聯繫我們,獲取專屬法律建議。
標籤:
#離婚 #財產分配 #法律建議 #離婚協議 #家庭法 #資產保護 #公平分配 #法律援助 #離婚貼士
💼 需要離婚相關幫助?聯繫我們的法律專家,獲取量身定制的建議!歡迎在下方留言提問,別忘了點贊、分享並訂閱我們的頻道,獲取更多法律資訊!
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Divorce Property Division in Hong Kong Made Simple: Steps, Scenarios, and Legal Insights
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!
If you like our channel, please subscribe our Law Channel
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Attention Mortgage Borrowers - Understanding Bank "Call Loan" Risks when property prices fall.
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? A Hong Kong lawyer tells you what to do.
💡 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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法律懶人包:按揭物業價格下跌至「資不抵債」或超出原來按揭成數,銀行有權要求借款人用現金補回差價,否則銀行便會call loan 至最後收樓強制拍賣。
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?以深水埗女警槍擊事件為例 #1
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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學法律識英文
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法律頭條:24 歲懲教男職員涉中環偷拍裙底 於中環環球大廈扶手電梯被途人當場揭發 手機沒發現藏有照片或影片 被控一項有違公德的行為罪 罪成待判
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法律頭條:大家小心使用防疫措施要找,例如使用安心出行和呈報快測結果,用時切記老實,切忌虛假,免遇官非。
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法律頭條:政府為乜唔畀牌Uber?
法律頭條 - 搭過Uber 車就知Uber 有幾好,但政府為保的士車主荷包,偏偏禁止Uber 載客行走。 點解政府阻市民有多個選擇?其實係乜原因,外國不少地方,Uber 都合法, 乜香港係犯法?
如果喜歡我地既影片,立即訂閱 法Channel
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法律頭條:回袁國強,香港還有司法獨立咩?
法律頭條 - 司法獨立係我哋最重視啲「核心價值」,香港冇咗就「玩完」,特區政府刻意利用法庭針對反對者,袁國強 話「唔係」、「冇事」!你話真定假?謝律師又乘機講下。
如果喜歡我地既影片,立即訂閱 法Channel
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法律頭條:法庭拍照
【法律頭條】庭內拍照違法? 法庭內拍照,即使偷拍,若影到法官、陪審團成員或證人,肯定違法,此乃刑事罪。有立法會議員 曾在法院公衆等候區自拍,經調查後未遭檢控,但也有海關督察 曾因在庭內拍攝主控身體背面,被定罪罰款。究竟此罪行詳情是怎樣的呢?律師為你解釋一下……
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法律頭條
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學法律識英文:Discharge 贖樓
學法律識英文:Discharge 贖樓。還清按揭供款,銀行便要簽份贖樓契,手續簡單,律師收費千多元,很平宜。
如果喜歡我地既影片,立即訂閱 法Channel
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學法律識英文:”Caution”中文叫警誡
警察拉人,第一句話「我依家拉你,唔係事必要你講…」。法律上係乜意思呢?警察漏講有乜嘢後果呢?後果嚴重嗎?
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學法律識英文:First Mortgage第一按揭。為乜要叫「第一」/First ?買樓向銀行借錢,你一定要知。
學法律識英文 - 按揭英文叫 mortgage,原來有時叫charge,為什麽會有First Mortgage 即係「第一按揭」呢?有第一就有第二、第三,如此類推,咁之間有乜分別呢?
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學法律識英文,適合學生收看。 今次講:Defamation 誹謗。
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學法律識英文:Deed和Assignment
學法律識英文,今次係 Deed和Assignment,Deed 即是契,買樓畀哂錢就簽Assignment。買樓簽契係乜意思呢?唔簽契得否?
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學法律識英文:刑事檢控英文係乜?
學法律識英文 -【學法律識英文1 - 刑事檢控】 學法律又可以識埋英文, 一雞兩味好有益,通識學習,呢個節目肯定啱哂中學同學仔。
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