{"id":3813,"date":"2026-04-14T15:41:32","date_gmt":"2026-04-14T15:41:32","guid":{"rendered":"https:\/\/ginkgoadvisory.com\/?p=3813"},"modified":"2026-04-14T15:42:16","modified_gmt":"2026-04-14T15:42:16","slug":"solicitor-certificate-independent-legal-advice-for-spouse-mortgage","status":"publish","type":"post","link":"https:\/\/ginkgoadvisory.com\/zh\/solicitor-certificate-independent-legal-advice-for-spouse-mortgage\/","title":{"rendered":"Independent Legal Advice for \u914d\u5076\u6309\u63ed\uff08\u82f1\u683c\u5170\u53ca\u5a01\u5c14\u58eb\uff09\uff1a\u4e3a\u975e\u501f\u6b3e\u914d\u5076\u3001\u5c45\u4f4f\u4eba\u540c\u610f\u4e66\u3001\u6743\u5229\u653e\u5f03\u6587\u4ef6\u53ca\u8d37\u6b3e\u673a\u6784 ILA \u8981\u6c42\u63d0\u4f9b\u5728\u7ebf\u3001\u5feb\u901f\u3001\u5f53\u65e5\u9884\u7ea6\u534f\u52a9"},"content":{"rendered":"<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-dda55f68 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--superbspacing-xxlarge);padding-right:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-xxlarge);padding-left:var(--wp--preset--spacing--superbspacing-small)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-25593187 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-40a2a7e8 wp-block-column-is-layout-flow\" style=\"padding-right:0;padding-bottom:0;padding-left:0;flex-basis:25%\">\n<figure class=\"wp-block-image aligncenter size-full is-resized has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/02\/headshot_logo_5cm_600px.jpg\" alt=\"\" class=\"wp-image-3115\" style=\"border-radius:50%;width:180px;height:undefinedpx\" srcset=\"https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/02\/headshot_logo_5cm_600px.jpg 600w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/02\/headshot_logo_5cm_600px-300x300.jpg 300w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/02\/headshot_logo_5cm_600px-150x150.jpg 150w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/02\/headshot_logo_5cm_600px-12x12.jpg 12w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-db2cb278 wp-block-column-is-layout-flow\">\n<p class=\"has-superbfont-xxsmall-font-size\"><strong>\u5173\u4e8e\u4f5c\u8005<\/strong><\/p>\n\n\n\n<p class=\"has-superbfont-xxsmall-font-size translation-block\">Kwok \u662f\u4e00\u4f4d\u5e38\u9a7b\u4f26\u6566\u7684\u6267\u4e1a\u5f8b\u5e08\uff0c\u6301\u6709\u82f1\u683c\u5170\u53ca\u5a01\u5c14\u58eb\u6267\u4e1a\u8d44\u683c\uff0c\u5e76\u53d7\u82f1\u56fd\u5f8b\u5e08\u76d1\u7ba1\u5c40\uff08SRA\uff09\u76d1\u7ba1\uff1b\u540c\u65f6\u5df2\u5728\u82f1\u56fd\u5916\u4ea4\u3001\u8054\u90a6\u53ca\u53d1\u5c55\u4e8b\u52a1\u90e8\uff08FCDO\uff09\u5907\u6848\u3002Kwok \u66fe\u5728\u591a\u5bb6\u77e5\u540d\u5f8b\u6240\u53ca\u4f01\u4e1a\u62c5\u4efb\u6cd5\u5f8b\u987e\u95ee\u53ca\u516c\u53f8\u6cd5\u52a1\u3002\u4ed6\u4eb2\u81ea\u628a\u5173\u94f6\u674f\u987e\u95ee\u7684\u6bcf\u4e00\u5b97\u6d77\u7259\u8ba4\u8bc1\u53ca\u6587\u4ef6\u5408\u6cd5\u5316\u6848\u4ef6\uff0c\u786e\u4fdd\u6d41\u7a0b\u4e00\u81f4\u3001\u51c6\u786e\uff0c\u5e76\u5b9e\u73b0\u7aef\u5230\u7aef\u7684\u8d28\u91cf\u63a7\u5236\u3002<\/p>\n\n\n\n<p class=\"has-superbfont-xxsmall-font-size translation-block\"><strong>Kwok Lam<br><\/strong>\u94f6\u674f\u987e\u95ee \u6cd5\u5f8b\u987e\u95ee<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"translation-block\">\u5982\u679c\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u60a8\u5c31\u914d\u5076\u6309\u63ed\u53d6\u5f97\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\uff0c\u8bf7\u52a1\u5fc5\u5728\u7b7e\u7f72\u524d\u59a5\u5584\u5904\u7406\u3002\u8fd9\u79cd\u60c5\u51b5\u901a\u5e38\u51fa\u73b0\u5728\u59bb\u5b50\u3001\u4e08\u592b\u3001\u914d\u5076\u3001\u6c11\u4e8b\u4f34\u4fa3\u6216\u53e6\u4e00\u534a\u5e76\u975e\u4e3b\u8981\u501f\u6b3e\u4eba\uff0c\u4f46\u4ecd\u9700\u7b7e\u7f72\u5c45\u4f4f\u4eba\u540c\u610f\u4e66\u3001\u6309\u63ed\u540c\u610f\u4e66\u3001\u6743\u5229\u653e\u5f03\u3001\u6743\u5229\u987a\u4f4d\u5ef6\u671f\u3001\u58f0\u660e\u4e66\u3001\u62c5\u4fdd\u4e66\uff0c\u6216\u5176\u4ed6\u4f1a\u5f71\u54cd\u5176\u5728\u7269\u4e1a\u4e2d\u6743\u5229\u7684\u6309\u63ed\u76f8\u5173\u6587\u4ef6\u65f6\u3002<\/p>\n\n\n\n<p class=\"translation-block\">\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u8fd9\u7c7b\u6cd5\u5f8b\u610f\u89c1\uff0c\u539f\u56e0\u5f88\u7b80\u5355\u3002\u5b83\u4eec\u9700\u8981\u6709\u660e\u786e\u8bc1\u636e\u8bc1\u660e\uff0c\u8be5\u914d\u5076\u7406\u89e3\u76f8\u5173\u6587\u4ef6\u3001\u660e\u767d\u7b7e\u7f72\u540e\u7684\u6cd5\u5f8b\u6548\u529b\uff0c\u4ee5\u53ca\u501f\u6b3e\u4eba\u4e00\u65e6\u8fdd\u7ea6\u6240\u5e26\u6765\u7684\u98ce\u9669\u3002\u82f1\u683c\u5170\u6cd5\u5f8b\u5bf9\u6b64\u7c7b\u60c5\u51b5\u4e00\u5411\u975e\u5e38\u91cd\u89c6\uff0c\u56e0\u4e3a\u5728\u5bb6\u5ead\u5173\u7cfb\u4e2d\uff0c\u77e5\u60c5\u540c\u610f\u548c\u4e0d\u5f53\u5f71\u54cd\u7684\u95ee\u9898\u90fd\u6709\u53ef\u80fd\u51fa\u73b0\u3002Royal Bank of Scotland plc v Etridge (No 2) \u4ecd\u7136\u662f\u8fd9\u4e00\u9886\u57df\u7684\u6838\u5fc3\u5224\u4f8b\u3002Waller-Edwards v One Savings Bank plc [2025] UKSC 22 \u4e5f\u8fdb\u4e00\u6b65\u5f3a\u8c03\uff0c\u5728\u975e\u5546\u4e1a\u53ca\u6df7\u5408\u6027\u8d28\u4ea4\u6613\u4e2d\uff0c\u8d37\u6b3e\u673a\u6784\u5fc5\u987b\u4fdd\u6301\u8c28\u614e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u914d\u5076\u6309\u63ed\u7684\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\uff1f<\/h3>\n\n\n\n<p class=\"translation-block\">\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\uff0c\u901a\u5e38\u7b80\u79f0 ILA\uff0c\u662f\u6307\u7531\u4e00\u4f4d\u72ec\u7acb\u5f8b\u5e08\u5728\u7b7e\u7f72\u524d\uff0c\u5c31\u5b9e\u9645\u7684\u6309\u63ed\u76f8\u5173\u6587\u4ef6\uff0c\u5355\u72ec\u5411\u8be5\u914d\u5076\u6216\u4f34\u4fa3\u63d0\u4f9b\u6cd5\u5f8b\u610f\u89c1\u3002<\/p>\n\n\n\n<p>\u5f8b\u5e08\u4f1a\u89e3\u91ca\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8be5\u6587\u4ef6\u7684\u4f5c\u7528\u662f\u4ec0\u4e48<\/li>\n\n\n\n<li>\u914d\u5076\u53ef\u80fd\u4f1a\u653e\u5f03\u6216\u5ef6\u671f\u54ea\u4e9b\u6743\u5229<\/li>\n\n\n\n<li>\u914d\u5076\u662f\u5426\u4f1a\u627f\u62c5\u4efb\u4f55\u4e2a\u4eba\u8d23\u4efb<\/li>\n\n\n\n<li>\u5982\u679c\u501f\u6b3e\u4eba\u672a\u80fd\u507f\u8fd8\u8d37\u6b3e\uff0c\u53ef\u80fd\u4f1a\u53d1\u751f\u4ec0\u4e48\u540e\u679c<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u662f\u771f\u6b63\u7684\u6cd5\u5f8b\u610f\u89c1\u670d\u52a1\uff0c\u5e76\u4e0d\u53ea\u662f\u89c1\u8bc1\u7b7e\u5b57\u3001\u6838\u5bf9\u8eab\u4efd\u8bc1\u660e\uff0c\u6216\u5b8c\u6210\u7b7e\u7f72\u624b\u7eed\u800c\u5df2\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u8d37\u6b3e\u673a\u6784\u4f1a\u8981\u6c42\u8fd9\u6837\u505a\uff1f<\/h3>\n\n\n\n<p>\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u914d\u5076\u6309\u63ed ILA\uff0c\u662f\u56e0\u4e3a\u914d\u5076\u6216\u4f34\u4fa3\u65e5\u540e\u53ef\u80fd\u4f1a\u58f0\u79f0\u81ea\u5df1\u5e76\u4e0d\u7406\u89e3\u8be5\u4ea4\u6613\u3001\u6ca1\u6709\u5145\u5206\u610f\u8bc6\u5230\u5f53\u4e2d\u7684\u98ce\u9669\uff0c\u6216\u662f\u5728\u538b\u529b\u4e4b\u4e0b\u7b7e\u4e86\u5b57\u3002<\/p>\n\n\n\n<p class=\"translation-block\">Etridge \u6240\u786e\u7acb\u7684\u6cd5\u5f8b\u6846\u67b6\u6b63\u662f\u4e3a\u4e86\u5904\u7406\u8fd9\u79cd\u98ce\u9669\u3002\u5728\u65e5\u5e38\u6309\u63ed\u4e1a\u52a1\u4e2d\uff0cUK Finance Lenders\u2019 Handbook \u4e5f\u53cd\u6620\u51fa\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u5728\u76f8\u5173\u60c5\u5f62\u4e0b\u7684\u91cd\u8981\u6027\uff0c\u5305\u62ec\u6d89\u53ca\u62c5\u4fdd\u4eba\u3001\u672a\u4ece\u8d37\u6b3e\u4e2d\u53d7\u76ca\u7684\u501f\u6b3e\u4eba\uff0c\u6216\u7b7e\u7f72\u6309\u63ed\u540c\u610f\u4e66\u7684\u5c45\u4f4f\u4eba\u7b49\u60c5\u51b5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u54ea\u4e9b\u5e38\u89c1\u7684\u914d\u5076\u6309\u63ed\u60c5\u51b5\u4f1a\u9700\u8981 ILA<\/h3>\n\n\n\n<p>\u5728\u4ee5\u4e0b\u60c5\u51b5\u4e0b\uff0c\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u4f1a\u8981\u6c42\u914d\u5076\u6309\u63ed ILA\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u65b9\u914d\u5076\u5c45\u4f4f\u5728\u8be5\u7269\u4e1a\u5185\uff0c\u4f46\u5e76\u4e0d\u662f\u501f\u6b3e\u4eba<\/li>\n\n\n\n<li class=\"translation-block\">\u4e00\u65b9\u914d\u5076\u662f\u975e\u501f\u6b3e\u4e1a\u4e3b\u6216\u975e\u501f\u6b3e\u914d\u5076<\/li>\n\n\n\n<li class=\"translation-block\">\u4e00\u65b9\u914d\u5076\u9700\u8981\u7b7e\u7f72\u5c45\u4f4f\u4eba\u540c\u610f\u4e66\u6216\u6309\u63ed\u540c\u610f\u4e66<\/li>\n\n\n\n<li class=\"translation-block\">\u4e00\u65b9\u914d\u5076\u540c\u610f\u653e\u5f03\u6216\u5ef6\u671f\u5176\u5c45\u4f4f\u6743\u6216\u5b9e\u76ca\u6743\u76ca<\/li>\n\n\n\n<li class=\"translation-block\">\u4e00\u65b9\u914d\u5076\u63d0\u4f9b\u4e2a\u4eba\u62c5\u4fdd\uff0c\u6216\u4ee5\u5176\u4ed6\u65b9\u5f0f\u652f\u6301\u8be5\u7b14\u501f\u6b3e<\/li>\n\n\n\n<li>\u6309\u63ed\u3001\u518d\u6309\u63ed\u3001\u4ea7\u6743\u8f6c\u8ba9\uff0c\u6216\u5546\u4e1a\u501f\u6b3e\u4f1a\u5f71\u54cd\u975e\u501f\u6b3e\u914d\u5076\u7684\u5730\u4f4d<\/li>\n\n\n\n<li>\u7269\u4e1a\u7531\u53cc\u65b9\u5171\u540c\u6301\u6709\uff0c\u4f46\u53ea\u6709\u5176\u4e2d\u4e00\u65b9\u501f\u6b3e\uff0c\u800c\u53e6\u4e00\u65b9\u4ecd\u9700\u5c31\u8be5\u4f4f\u5b85\u63d0\u4f9b\u62b5\u62bc\u62c5\u4fdd<\/li>\n<\/ul>\n\n\n\n<p>\u5177\u4f53\u8981\u6c42\u5c06\u53d6\u51b3\u4e8e\u8d37\u6b3e\u673a\u6784\u7684\u6587\u4ef6\u3001\u6307\u793a\u4ee5\u53ca\u4ea4\u6613\u7ed3\u6784\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u76f8\u5173\u6cd5\u5f8b\u4e0e\u89c4\u5219<\/h3>\n\n\n\n<p>\u82f1\u683c\u5170\u53ca\u5a01\u5c14\u58eb\u5173\u4e8e\u914d\u5076\u6309\u63ed\u7684\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\uff0c\u901a\u5e38\u4e3b\u8981\u5efa\u7acb\u5728\u4ee5\u4e0b\u4e94\u4e2a\u6cd5\u5f8b\u53ca\u76d1\u7ba1\u57fa\u7840\u4e4b\u4e0a\u3002<\/p>\n\n\n\n<p><strong>1. Royal Bank of Scotland plc v Etridge (No 2)<\/strong><br>\u672c\u6848\u4ecd\u7136\u662f\u4e0d\u5f53\u5f71\u54cd\u3001\u77e5\u60c5\u540c\u610f\uff0c\u4ee5\u53ca\u5f53\u4e00\u65b9\u4e3a\u53e6\u4e00\u65b9\u501f\u6b3e\u63d0\u4f9b\u62c5\u4fdd\u65f6\u5e94\u91c7\u53d6\u4f55\u79cd\u6b65\u9aa4\u7684\u6838\u5fc3\u5224\u4f8b\u3002<\/p>\n\n\n\n<p><strong>2. Waller-Edwards v One Savings Bank plc [2025] UKSC 22<\/strong><br>\u8fd9\u4e00\u82f1\u56fd\u6700\u9ad8\u6cd5\u9662\u5224\u51b3\u4e4b\u6240\u4ee5\u91cd\u8981\uff0c\u662f\u56e0\u4e3a\u5b83\u8ba8\u8bba\u4e86\u5728\u975e\u5546\u4e1a\u6df7\u5408\u4ea4\u6613\u4e2d\uff0c\u8d37\u6b3e\u673a\u6784\u5728\u4f55\u79cd\u60c5\u51b5\u4e0b\u4f1a\u88ab\u89c6\u4e3a\u5df2\u88ab\u63d0\u793a\u9700\u8981\u7559\u610f\u76f8\u5173\u98ce\u9669\u3002\u5c24\u5176\u5728\u501f\u6b3e\u5bf9\u4e00\u65b9\u7684\u5229\u76ca\u660e\u663e\u5927\u4e8e\u53e6\u4e00\u65b9\u65f6\uff0c\u8fd9\u4e00\u70b9\u66f4\u4e3a\u91cd\u8981\u3002<\/p>\n\n\n\n<p><strong>3. Law Society post-Etridge guidance<\/strong><br>\u82f1\u56fd\u5f8b\u5e08\u534f\u4f1a\u660e\u786e\u6307\u51fa\uff0c\u5f8b\u5e08\u5fc5\u987b\u63d0\u4f9b\u5b9e\u8d28\u6027\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u5f8b\u5e08\u5fc5\u987b\u89e3\u91ca\u6587\u4ef6\u7684\u6027\u8d28\u548c\u6548\u529b\uff0c\u4f7f\u7528\u6e05\u6670\u6613\u61c2\u7684\u8bed\u8a00\uff0c\u5e76\u5904\u7406\u4e0d\u5f53\u5f71\u54cd\u7684\u98ce\u9669\u95ee\u9898\u3002<\/p>\n\n\n\n<p><strong>4. SRA Principles and Code of Conduct<\/strong><br>\u5f8b\u5e08\u5fc5\u987b\u4fdd\u6301\u72ec\u7acb\uff0c\u7ef4\u62a4\u6bcf\u4f4d\u5ba2\u6237\u7684\u6700\u4f73\u5229\u76ca\uff0c\u5e76\u907f\u514d\u5229\u76ca\u51b2\u7a81\u6216\u91cd\u5927\u5229\u76ca\u51b2\u7a81\u98ce\u9669\u3002\u8fd9\u4e5f\u662f\u4e3a\u4ec0\u4e48\u540c\u4e00\u4f4d\u5f8b\u5e08\u5f80\u5f80\u4e0d\u80fd\u5c31\u540c\u4e00\u4e8b\u9879\u540c\u65f6\u4e3a\u592b\u59bb\u53cc\u65b9\u63d0\u4f9b\u9002\u5f53\u6cd5\u5f8b\u610f\u89c1\u3002<\/p>\n\n\n\n<p><strong>5. Lender-specific requirements and the UK Finance Lenders\u2019 Handbook<\/strong><br>\u8bb8\u591a\u8d37\u6b3e\u673a\u6784\u4f1a\u901a\u8fc7\u6309\u63ed\u6587\u4ef6\u53ca\u8d37\u6b3e\u673a\u6784\u624b\u518c\u6846\u67b6\uff0c\u81ea\u884c\u89c4\u5b9a\u6240\u9700\u7684\u8bc1\u660e\u63aa\u8f9e\u3001\u786e\u8ba4\u63aa\u8f9e\u3001\u5c45\u4f4f\u4eba\u8868\u683c\uff0c\u6216\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u7684\u5177\u4f53\u6d41\u7a0b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u914d\u5076\u6309\u63ed ILA \u53ef\u4ee5\u5728\u7ebf\u529e\u7406\u5417\uff1f<\/h3>\n\n\n\n<p class=\"translation-block\">\u53ef\u4ee5\uff0c\u5728\u5f88\u591a\u60c5\u51b5\u4e0b\u90fd\u53ef\u4ee5\u3002\u6211\u4eec\u901a\u5e38\u53ef\u4ee5\u5b8c\u5168\u8fdc\u7a0b\u5b89\u6392\u914d\u5076\u6309\u63ed ILA\uff0c\u5305\u62ec\u77ed\u65f6\u95f4\u5185\u7684\u7d27\u6025\u9884\u7ea6\u3002<\/p>\n\n\n\n<p>\u5f53\u8d37\u6b3e\u673a\u6784\u5728\u4ea4\u6613\u540e\u671f\u624d\u63d0\u51fa\u8fd9\u9879\u8981\u6c42\uff0c\u6216\u5728\u4e34\u8fd1\u5b8c\u6210\u4ea4\u5272\u65f6\u63d0\u51fa\u65f6\uff0c\u8fd9\u79cd\u65b9\u5f0f\u5c24\u5176\u6709\u5e2e\u52a9\u3002\u4e0d\u8fc7\uff0c\u6cd5\u5f8b\u610f\u89c1\u9884\u7ea6\u3001\u8eab\u4efd\u6838\u9a8c\u6d41\u7a0b\u3001\u7b7e\u7f72\u6b65\u9aa4\uff0c\u4ee5\u53ca\u8bc1\u660e\u6587\u4ef6\u63aa\u8f9e\uff0c\u4ecd\u7136\u5fc5\u987b\u7b26\u5408\u8d37\u6b3e\u673a\u6784\u7684\u8981\u6c42\u3002\u6709\u4e9b\u8d37\u6b3e\u673a\u6784\u63a5\u53d7\u987a\u7545\u7684\u8fdc\u7a0b\u6d41\u7a0b\uff0c\u53e6\u4e00\u4e9b\u5219\u4f1a\u8981\u6c42\u989d\u5916\u624b\u7eed\u3002\u6700\u7a33\u59a5\u7684\u505a\u6cd5\uff0c\u4ecd\u7136\u662f\u5148\u5ba1\u9605\u5b9e\u9645\u7684\u8d37\u6b3e\u673a\u6784\u6587\u4ef6\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u914d\u5076\u5728\u7b7e\u7f72\u524d\u9700\u8981\u4e86\u89e3\u4ec0\u4e48<\/h3>\n\n\n\n<p>\u5728\u7b7e\u7f72\u4e4b\u524d\uff0c\u914d\u5076\u6216\u4f34\u4fa3\u5e94\u5f53\u4e86\u89e3\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u5df1\u7b7e\u7f72\u7684\u662f\u4ec0\u4e48\u6587\u4ef6<\/li>\n\n\n\n<li>\u81ea\u5df1\u662f\u5426\u4f1a\u653e\u5f03\u6216\u5ef6\u671f\u5bf9\u8be5\u7269\u4e1a\u4eab\u6709\u7684\u4efb\u4f55\u6743\u5229<\/li>\n\n\n\n<li>\u81ea\u5df1\u662f\u5426\u4f1a\u627f\u62c5\u4efb\u4f55\u4e2a\u4eba\u8d23\u4efb<\/li>\n\n\n\n<li>\u5982\u679c\u501f\u6b3e\u4eba\u8fdd\u7ea6\uff0c\u8d37\u6b3e\u673a\u6784\u53ef\u4ee5\u91c7\u53d6\u4ec0\u4e48\u884c\u52a8<\/li>\n\n\n\n<li>\u8d37\u6b3e\u673a\u6784\u7684\u6743\u5229\u662f\u5426\u4f1a\u4f18\u5148\u4e8e\u81ea\u5df1\u5bf9\u4f4f\u5b85\u4eab\u6709\u7684\u6743\u5229<\/li>\n\n\n\n<li>\u8be5\u6587\u4ef6\u662f\u5426\u4f1a\u5f71\u54cd\u5c45\u4f4f\u6743\u3001\u51fa\u552e\u6240\u5f97\u3001\u6267\u884c\u7a0b\u5e8f\u6216\u8ffd\u507f\u884c\u52a8<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u6b63\u662f\u59a5\u5584\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u7684\u771f\u6b63\u76ee\u7684\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ginkgo Advisory \u5982\u4f55\u534f\u52a9\u60a8<\/h3>\n\n\n\n<p class=\"translation-block\">Ginkgo Advisory \u53ef\u534f\u52a9\u5b89\u6392\u82f1\u683c\u5170\u53ca\u5a01\u5c14\u58eb\u914d\u5076\u6309\u63ed\u76f8\u5173\u7684\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u7684\u6cd5\u5f8b\u987e\u95ee\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5ba1\u9605\u8d37\u6b3e\u673a\u6784\u6587\u4ef6<\/li>\n\n\n\n<li>\u6838\u5bf9\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u7684\u8bc1\u660e\u6216\u786e\u8ba4\u5185\u5bb9<\/li>\n\n\n\n<li class=\"translation-block\">\u5728\u6587\u4ef6\u9f50\u5907\u4e14\u65f6\u95f4\u5141\u8bb8\u7684\u60c5\u51b5\u4e0b\uff0c\u534f\u52a9\u5b89\u6392\u5b8c\u5168\u5728\u7ebf\u3001\u5feb\u901f\u3001\u5f53\u5929\u6216\u77ed\u65f6\u95f4\u5185\u7684\u9884\u7ea6<\/li>\n<\/ul>\n\n\n\n<p class=\"translation-block\">\u6211\u4eec\u4f1a\u8ba9\u6574\u4e2a\u6d41\u7a0b\u4fdd\u6301\u6e05\u6670\u3001\u52a1\u5b9e\u4e14\u9ad8\u6548\u3002\u5982\u679c\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u63d0\u4f9b\u5c45\u4f4f\u4eba\u6743\u5229\u653e\u5f03\u3001\u914d\u5076\u540c\u610f\u3001\u6743\u5229\u987a\u4f4d\u5ef6\u671f\u3001\u6309\u63ed\u540c\u610f\u3001\u4e2a\u4eba\u62c5\u4fdd\uff0c\u6216\u5176\u4ed6\u76f8\u5173\u7684\u6309\u63ed ILA\uff0c\u6211\u4eec\u90fd\u53ef\u4ee5\u534f\u52a9\u9ad8\u6548\u63a8\u8fdb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u901a\u5e38\u9700\u8981\u51c6\u5907\u7684\u6587\u4ef6<\/h3>\n\n\n\n<p>\u5982\u9700\u5b89\u6392\u914d\u5076\u6309\u63ed ILA\uff0c\u60a8\u901a\u5e38\u9700\u8981\u51c6\u5907\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9700\u7b7e\u7f72\u7684\u6309\u63ed\u76f8\u5173\u6587\u4ef6<\/li>\n\n\n\n<li>\u6309\u63ed\u8981\u7ea6\u3001\u878d\u8d44\u51fd\u6216\u8d37\u6b3e\u673a\u6784\u6587\u4ef6\u5305<\/li>\n\n\n\n<li>\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u7684\u4efb\u4f55 ILA \u8868\u683c\u6216\u5f8b\u5e08\u8bc1\u660e\u63aa\u8f9e<\/li>\n\n\n\n<li>\u8eab\u4efd\u8bc1\u660e<\/li>\n\n\n\n<li>\u6587\u4ef6\u4e2d\u63d0\u53ca\u7684\u4efb\u4f55\u76f8\u5173\u62c5\u4fdd\u4e66\u3001\u58f0\u660e\u4e66\u3001\u4ea7\u6743\u8f6c\u8ba9\u6587\u4ef6\u3001\u5c45\u4f4f\u4eba\u540c\u610f\u4e66\u3001\u6743\u5229\u653e\u5f03\u6587\u4ef6\uff0c\u6216\u5176\u4ed6\u652f\u6301\u6027\u6587\u4ef6<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u914d\u5076\u6309\u63ed\u7684\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\uff1a\u5feb\u901f\u3001\u6e05\u6670\u3001\u53ef\u5728\u7ebf\u529e\u7406<\/h3>\n\n\n\n<p class=\"translation-block\">\u5982\u679c\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u60a8\u5c31\u914d\u5076\u6309\u63ed\u53d6\u5f97\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\uff0c\u8bf7\u52a1\u5fc5\u5728\u7b7e\u7f72\u524d\u5c31\u5b9e\u9645\u6587\u4ef6\u53d6\u5f97\u6cd5\u5f8b\u610f\u89c1\u3002\u5373\u4f7f\u8be5\u914d\u5076\u5e76\u975e\u4e3b\u8981\u501f\u6b3e\u4eba\uff0c\u76f8\u5173\u6587\u4ef6\u4ecd\u53ef\u80fd\u5f71\u54cd\u5176\u91cd\u8981\u7684\u6cd5\u5f8b\u6216\u8d22\u52a1\u6743\u5229\uff0c\u751a\u81f3\u53ef\u80fd\u4f7f\u8d37\u6b3e\u673a\u6784\u6709\u6743\u5c31\u8be5\u4f4f\u5b85\u6267\u884c\u62b5\u62bc\u62c5\u4fdd\u3002<\/p>\n\n\n\n<p>\u6e05\u6670\u800c\u72ec\u7acb\u7684\u6cd5\u5f8b\u610f\u89c1\uff0c\u65e2\u80fd\u4fdd\u62a4\u5ba2\u6237\uff0c\u4e5f\u80fd\u4fdd\u62a4\u6574\u4e2a\u4ea4\u6613\u3002<\/p>\n\n\n\n<p class=\"translation-block\">Ginkgo Advisory \u53ef\u4ee5\u534f\u52a9\u5b89\u6392\u6574\u4e2a\u6d41\u7a0b\uff0c\u5e76\u5728\u53ef\u884c\u60c5\u51b5\u4e0b\u534f\u8c03\u8fdc\u7a0b\u3001\u5feb\u901f\u3001\u5f53\u5929\u6216\u77ed\u65f6\u95f4\u5185\u7684\u9884\u7ea6\u3002<\/p>\n\n\n\n<div class=\"wp-block-group alignfull has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-fff16f96 wp-block-group-is-layout-constrained\" style=\"background-color:#ffffffba;padding-top:var(--wp--preset--spacing--superbspacing-xxlarge);padding-right:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-xxlarge);padding-left:var(--wp--preset--spacing--superbspacing-small)\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-aaf5fa99 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center has-contrast-color has-text-color has-fontprimary-font-family has-superbfont-xlarge-font-size\" style=\"padding-top:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-small)\">\u8054\u7cfb\u6211\u4eec<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-7c932d72 wp-block-columns-is-layout-flex\" style=\"border-radius:0px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-cfb182f8 wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group has-border-color has-mono-3-border-color has-background has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-d71199d7 wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:16px;background-color:#e8e1ca00;padding-top:var(--wp--preset--spacing--superbspacing-xsmall);padding-right:var(--wp--preset--spacing--superbspacing-xsmall);padding-bottom:var(--wp--preset--spacing--superbspacing-xsmall);padding-left:var(--wp--preset--spacing--superbspacing-xsmall)\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2025\/10\/icon-email.png\" alt=\"\" style=\"width:32px;height:32px\"\/><\/figure>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-contrast-color has-text-color has-fontprimary-font-family has-superbfont-xsmall-font-size\">\u8054\u7cfb\u90ae\u7bb1<\/h3>\n\n\n\n<p class=\"has-text-align-center has-secondary-color has-text-color\" style=\"font-size:14px\"><a href=\"mailto:info@ginkgoadvisory.com\" target=\"_blank\" rel=\"noreferrer noopener\">info@ginkgoadvisory.com<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-eef95d05 wp-block-column-is-layout-flow\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-group has-border-color has-mono-3-border-color has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-a844a75b wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:16px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--superbspacing-xsmall);padding-right:var(--wp--preset--spacing--superbspacing-xsmall);padding-bottom:var(--wp--preset--spacing--superbspacing-xsmall);padding-left:var(--wp--preset--spacing--superbspacing-xsmall)\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-1024x1024.png\" alt=\"\" class=\"wp-image-3585\" style=\"width:32px;height:auto\" srcset=\"https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-1024x1024.png 1024w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-300x300.png 300w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-150x150.png 150w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-768x768.png 768w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-12x12.png 12w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15-600x600.png 600w, https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2026\/04\/c7ec369fa495a4f930ce0161fd1a8a15.png 1532w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-contrast-color has-text-color has-fontprimary-font-family has-superbfont-xsmall-font-size\"><strong>WhatsApp<\/strong><\/h3>\n\n\n\n<p class=\"has-text-align-center has-secondary-color has-text-color\" style=\"font-size:14px\"><a href=\"https:\/\/wa.me\/447388833283\">+44 7388 833283<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-container-core-column-is-layout-eef95d05 wp-block-column-is-layout-flow\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-group has-border-color has-mono-3-border-color has-background has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-d71199d7 wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:16px;background-color:#e8e1ca00;padding-top:var(--wp--preset--spacing--superbspacing-xsmall);padding-right:var(--wp--preset--spacing--superbspacing-xsmall);padding-bottom:var(--wp--preset--spacing--superbspacing-xsmall);padding-left:var(--wp--preset--spacing--superbspacing-xsmall)\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/ginkgoadvisory.com\/wp-content\/uploads\/2025\/10\/icon-push-pin-simple.png\" alt=\"\" style=\"width:32px;height:32px\"\/><\/figure>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-contrast-color has-text-color has-fontprimary-font-family has-superbfont-xsmall-font-size\">\u5730\u5740<\/h3>\n\n\n\n<p class=\"has-text-align-center has-secondary-color has-text-color\" style=\"font-size:14px\">Suite 161, 30 Red Lion Street, Richmond, London<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>About the Author Kwok is a practising solicitor based in London, admitted in England &amp; Wales and regulated by the Solicitors Regulation Authority. He is registered with the Foreign, Commonwealth &amp; Development Office. Kwok has worked as legal counsel and in-house solicitor across leading firms and corporations. He personally oversees every apostille and legalisation case [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_surecart_dashboard_logo_width":"180px","_surecart_dashboard_show_logo":true,"_surecart_dashboard_navigation_orders":true,"_surecart_dashboard_navigation_invoices":true,"_surecart_dashboard_navigation_subscriptions":true,"_surecart_dashboard_navigation_downloads":true,"_surecart_dashboard_navigation_billing":true,"_surecart_dashboard_navigation_account":true,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1225],"tags":[14699,14712,14734,14697,14690,14694,14702,14672,14703,14725,14726,14710,14704,14715,14692,14728,14693,14698,14722,14706,14731,14714,14701,14724,14716,14707,14730,14708,14732,14709,14733,14720,14727,14691,14721,14705,14696,14700,14719,14717,14718,14711,14723,14713,14695,14729],"class_list":["post-3813","post","type-post","status-publish","format-standard","hentry","category-uk-certified-true-copy","tag-consent-to-mortgage-spouse-solicitor","tag-etridge-spouse-mortgage","tag-ginkgo-advisory-spouse-mortgage-ila","tag-ila-spouse-mortgage-england-and-wales","tag-independent-legal-advice-for-spouse-mortgage","tag-independent-legal-advice-for-wife-signing-mortgage","tag-independent-legal-advice-occupier-waiver","tag-independent-legal-advice-solicitor-certificate","tag-lender-ila-requirement-spouse","tag-lender-solicitor-certificate-mortgage","tag-mortgage-ila-certificate-england-and-wales","tag-mortgage-independent-solicitor-advice","tag-mortgage-spouse-consent-solicitor","tag-non-borrower-spouse-legal-advice","tag-non-borrowing-spouse-mortgage-legal-advice","tag-non-borrowing-spouse-solicitor-certificate","tag-non-borrowing-wife-mortgage-legal-advice","tag-occupier-consent-legal-advice","tag-occupier-consent-solicitor-certificate","tag-online-independent-legal-advice-mortgage","tag-online-solicitor-certificate-spouse-mortgage","tag-personal-guarantee-spouse-mortgage","tag-postponement-of-rights-legal-advice","tag-postponement-of-rights-solicitor-certificate","tag-remortgage-spouse-independent-legal-advice","tag-remote-ila-for-spouse-mortgage","tag-remote-solicitor-certificate-mortgage","tag-same-day-ila-spouse-mortgage","tag-same-day-solicitor-certificate-mortgage","tag-short-notice-ila-solicitor","tag-short-notice-mortgage-solicitor-certificate","tag-solicitor-certificate-spouse-mortgage","tag-spouse-mortgage-certificate-of-independent-legal-advice","tag-spouse-mortgage-independent-legal-advice","tag-spouse-mortgage-solicitor-certificate","tag-spouse-mortgage-waiver-solicitor","tag-spouse-providing-security-over-home","tag-spouse-waiver-of-rights-mortgage","tag-sra-regulated-solicitor-ila","tag-transfer-of-equity-spouse-mortgage-advice","tag-uk-finance-lenders-handbook-ila","tag-undue-influence-spouse-mortgage","tag-waiver-of-rights-solicitor-certificate","tag-waller-edwards-spouse-mortgage","tag-wife-providing-security-over-marital-home","tag-wife-signing-mortgage-solicitor-certificate"],"yoast_head":"<!-- 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