“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。
我們首先需要明確的是，在安大略家庭法中，至有"家庭淨財產"是可以分割的，而家庭淨財產的定義如下。 《安大略家庭法法令》（ Ontario Family Law Act）中第四條規定：
“[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).
一般情況下，它指的是配偶雙方任何一方在分離時候所擁有的淨財產（財產減去債務，但婚姻房除外），減去結婚時的淨財產，再減去"除外財產"的結果。
而所謂「除外財產」的定義為：
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).
簡單來說，除外財產包括第三方的饋贈、遺產或保險理賠金等。
所以回答上面的問題：如果父母借的錢全都是在結婚之前借的，那麼它們不算做家庭債務，應該個人單獨承擔。 而由於婚前的個人積蓄不算做家庭凈財產，所以不在分割範圍內，所以原則上來講用它去償還欠債是可以的。
然而，在實際操作上，必須保證能夠提供完整的證據鏈，能夠證明那些積蓄確實實在婚前就有的。 這是因為，如果您主張去掉任何的除外財產或婚前財產，那麼您需要舉證來證明它們的性質。 按照Ontario Family Law Act第4（3）條：
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，除非您的證據鏈充足，否則不要輕易去償還貸款，或者至少在進行這個步驟之前和對方打個招呼，爭得同意，否則可能會在訴訟中陷入被動。 無論怎樣，最好諮詢律師，以確保得到最適當的法律建議。
我們從2016到2021年連續六年Top Choice Award評選的“溫哥華最佳家庭法律所”殊榮，而且在多倫多設有辦公室。 我們的電話為416 900 3428，歡迎您隨時撥打查詢。
