“律师，我在多伦多办离婚，想从我婚前积蓄里提出钱来偿还父母借给我的贷款，可以吗？” 在华人离婚案中，这是一个很常见的问题，但因为涉及到法律上的点比较多，注意不到往往会让自己在离婚程序中陷入被动。在这篇文章中，由康健律师来详细分析一下。
我们首先需要明确的是，在安大略家庭法中，至有“家庭净财产”是可以分割的，而家庭净财产的定义如下。《安大略家庭法法令》（ Ontario Family Law Act）中第四条规定:
“[N]et family property” means the value of all the property, except property described in subsection (2), that a spouse owns on the valuation date, after deducting,
(a) the spouse’s debts and other liabilities, and
(b) the value of property, other than a matrimonial home, that the spouse owned on the date of the marriage, after deducting the spouse’s debts and other liabilities, other than debts or liabilities related directly to the acquisition or significant improvement of a matrimonial home, calculated as of the date of the marriage; (“biens familiaux nets”) …
…
“valuation date” means the earliest of the following dates:
1. The date the spouses separate and there is no reasonable prospect that they will resume cohabitation.
2. The date a divorce is granted.
3. The date the marriage is declared a nullity.
4. The date one of the spouses commences an application based on subsection 5 (3) (improvident depletion) that is subsequently granted.
5. The date before the date on which one of the spouses dies leaving the other spouse surviving. (“date d’évaluation”) R.S.O. 1990, c. F.3, s. 4 (1); 2006, c. 19, Sched. C, s. 1 (2); 2009, c. 11, s. 22 (1-4); 2009, c. 33, Sched. 2, s. 34 (1).
一般情况下，它指的是配偶双方任何一方在分离时候所拥有的净财产（财产减去债务，但婚姻房除外），减去结婚时的净财产，再减去“除外财产”的结果。
而所谓“除外财产”的定义为：
Excluded property
(2) The value of the following property that a spouse owns on the valuation date does not form part of the spouse’s net family property:
1. Property, other than a matrimonial home, that was acquired by gift or inheritance from a third person after the date of the marriage.
2. Income from property referred to in paragraph 1, if the donor or testator has expressly stated that it is to be excluded from the spouse’s net family property.
3. Damages or a right to damages for personal injuries, nervous shock, mental distress or loss of guidance, care and companionship, or the part of a settlement that represents those damages.
4. Proceeds or a right to proceeds of a policy of life insurance, as defined under the Insurance Act, that are payable on the death of the life insured.
5. Property, other than a matrimonial home, into which property referred to in paragraphs 1 to 4 can be traced.
6. Property that the spouses have agreed by a domestic contract is not to be included in the spouse’s net family property.
7. Unadjusted pensionable earnings under the Canada Pension Plan. R.S.O. 1990, c. F.3, s. 4 (2); 2004, c. 31, Sched. 38, s. 2 (1); 2009, c. 11, s. 22 (5).
简单来说，除外财产包括第三方的馈赠、遗产或保险理赔金等。
所以回答上面的问题：如果父母借的钱全都是在结婚之前借的，那么它们不算做家庭债务，应该个人单独承担。而由于婚前的个人积蓄不算做家庭净财产，所以不在分割范围内，所以原则上来讲用它去偿还欠债是可以的。
然而，在实际操作上，必须保证能够提供完整的证据链，能够证明那些积蓄确实实在婚前就有的。这是因为，如果您主张去掉任何的除外财产或婚前财产，那么您需要举证来证明它们的性质。按照Ontario Family Law Act第4(3)条：
Onus of proof re deductions and exclusions
(3) The onus of proving a deduction under the definition of “net family property” or an exclusion under subsection (2) is on the person claiming it. R.S.O. 1990, c. F.3, s. 4 (3).
所以，除非您的证据链充足，否则不要轻易去偿还贷款，或者至少在进行这个步骤之前和对方打个招呼，争得同意，否则可能会在诉讼中陷入被动。无论怎样，最好咨询律师，以确保得到最适当的法律建议。
我们从2016到2021年连续六年Top Choice Award评选的“温哥华最佳家庭法律所”殊荣，而且在多伦多设有办公室。我们的电话为416 900 3428，欢迎您随时拨打查询。
