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为什么遗嘱和信托那么重要？如果没有遗嘱或信托，财产会如何分配呢？

为什么遗嘱和信托那么重要？关于没有遗嘱和信托的家庭，应该注意哪一些细节和资料。想申请遗嘱或信托，应该知道什么呢？

Q1. 在新加坡，如果一个人去世没有留下遗嘱或信托，其财产会如何分配呢？

其财产的分配将按照《无遗嘱继承法》（Intestate Succession Act）进行处理。家人需要通过法庭申请 遗产管理书（Letters of Administration），以获得处理逝者遗产的权利。

根据《无遗嘱继承法》（Intestate Succession Act），身故者分为两类：结婚和单身。

他们各别的受益人顺位排列是：

 

Q2. 申请的过程需要多长的时间？

整个过程的时间取决于几个因素，但通常需要 6到12个月 或更长时间。以下是主要步骤和相关时间点：

申请流程和时间表：

  1. 确定适格的遗产管理人：
    • 根据法律，近亲（如配偶、孩子或父母）有资格申请遗产管理书。
    • 这一步可能需要几周，具体取决于家庭是否能迅速达成一致。
  2. 准备必要文件（1-3个月）：
    • 死亡证明（Death Certificate）。
    • 申请人的身份证明文件。
    • 已故者财产清单（如银行存款、房产、保险金等）。
    • 亲属关系证明（如结婚证、出生证等）。
    • 如果材料齐全，通常需要 1 到 3 个月完成准备和提交。
  3. 提交法庭申请并等待批准（3-6个月）：
    • 向新加坡家事法庭或高等法院提交申请。
    • 法庭审查后颁发遗产管理书。如果案件复杂或有争议（如多方争执或财产清单不完整），可能需要更长时间。
  4. 分配遗产（3-6个月）：
    • 遗产管理人根据法律分配财产给符合资格的受益人。
    • 如果涉及出售房产或其他资产，可能需要额外的时间。

可能导致延误的因素：

  1. 家庭成员之间的争议：如果有争议或异议（例如谁应担任遗产管理人或财产分配比例），解决可能需要数年时间。
  2. 财产复杂性：财产类型越复杂（如海外资产或未偿贷款），时间越长。
  3. 文件不完整或缺失：缺乏关键文件可能导致反复补充材料。

总结时间估算：

  • 简单情况：6-12个月。
  • 复杂情况（争议或国际资产）：1-2年或更长。

专业建议：

为了避免家人在逝者过世后面临复杂手续，建议及早制定遗嘱或信托规划。这不仅能明确分配方案，还能节省家人时间和费用。

如果需要进一步详细的协助或方案建议，随时可以联系我！

✅ WhatsApp: +65 86802340

📩 微信: lidwinabq

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策