{"id":1520,"date":"2023-09-05T16:59:42","date_gmt":"2023-09-05T06:59:42","guid":{"rendered":"https:\/\/chuatan.com.au\/?page_id=1520"},"modified":"2026-10-04T22:50:30","modified_gmt":"2026-10-04T11:50:30","slug":"loan-advice-lawyer","status":"publish","type":"page","link":"https:\/\/chuatan.com.au\/en\/melbourne-lawyer\/legal-services\/australian-commercial-lawyers\/loan-advice-lawyer\/","title":{"rendered":"Loan advice"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1520\" class=\"elementor elementor-1520\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ceddba2 e-con-full e-flex e-con e-parent\" data-id=\"1ceddba2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79673c8f elementor-widget elementor-widget-heading\" data-id=\"79673c8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><b>\u8d37\u6b3e\u5efa\u8bae\u5f8b\u5e08<\/b><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7512e05c e-flex e-con-boxed e-con e-parent\" data-id=\"7512e05c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b25cba elementor-widget elementor-widget-breadcrumbs\" data-id=\"3b25cba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/chuatan.com.au\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20f4d76d elementor-widget elementor-widget-text-editor\" data-id=\"20f4d76d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u5f53\u60a8\u4e3a\u5bb6\u4eba\u6216\u4ed6\u4eba\u7684\u8d37\u6b3e\u63d0\u4f9b\u62c5\u4fdd\uff08guarantee\uff09\u6216\u4ee5\u81ea\u5df1\u7684\u623f\u4ea7\u4f5c\u62b5\u62bc\uff08mortgage\uff09\u65f6\uff0c\u8d37\u6b3e\u673a\u6784\u901a\u5e38\u4f1a\u8981\u6c42\u60a8\u5148\u7531\u4e00\u4f4d\u72ec\u7acb\u5f8b\u5e08\u89e3\u91ca\u6587\u4ef6\uff0c\u5e76\u7531\u5f8b\u5e08\u7b7e\u7f72\u201c\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u8bc1\u660e\u201d\uff08Certificate of Independent Legal Advice\uff09\u3002\u7b7e\u7f72\u62c5\u4fdd\u53ef\u80fd\u4ee4\u60a8\u987b\u507f\u8fd8\u4ed6\u4eba\u7684\u503a\u52a1\uff0c\u751a\u81f3\u5931\u53bb\u81ea\u5df1\u7684\u623f\u4ea7\uff0c\u56e0\u6b64\u5e94\u5728\u7b7e\u5b57\u524d\u6e05\u695a\u4e86\u89e3\u8d23\u4efb\u8303\u56f4\u3001\u4e0a\u9650\u548c\u9000\u51fa\u65b9\u5f0f\u3002\u6211\u4eec\u53ef\u7528\u666e\u901a\u8bdd\u3001\u7ca4\u8bed\u6216\u82f1\u8bed\u4e3a\u62c5\u4fdd\u4eba\u89e3\u91ca\u6587\u4ef6\uff0c\u5e76\u5ba1\u9605\u79c1\u4eba\u501f\u8d37\u5408\u540c\u3002<\/p>\n<h2>\u8981\u70b9\u901f\u89c8<\/h2><ul><li>\u300a\u56fd\u5bb6\u4fe1\u8d37\u6cd5\u5178\u300b\uff08National Credit Code\uff09\u4e00\u822c\u9002\u7528\u4e8e\u4e2a\u4eba\u3001\u5bb6\u5ead\u6216\u5bb6\u5c45\u7528\u9014\u7684\u8d37\u6b3e\uff0c\u4ee5\u53ca\u8d2d\u4e70\u3001\u88c5\u4fee\u6216\u6539\u5584\u4f4f\u5b85\u6295\u8d44\u7269\u4e1a\u7684\u8d37\u6b3e\u3002<\/li><li>\u53d7\u8be5\u6cd5\u5178\u89c4\u7ba1\u7684\u62c5\u4fdd\u987b\u4ee5\u4e66\u9762\u5f62\u5f0f\u7531\u62c5\u4fdd\u4eba\u7b7e\u7f72\uff1b\u62c5\u4fdd\u4eba\u53ef\u5728\u8d37\u6b3e\u53d1\u653e\u524d\u4e66\u9762\u901a\u77e5\u8d37\u6b3e\u673a\u6784\u64a4\u56de\u62c5\u4fdd\u3002<\/li><li>\u6839\u636e\u300a\u94f6\u884c\u4e1a\u884c\u4e3a\u5b88\u5219\u300b\uff08Banking Code of Practice\uff09\uff0c\u7b7e\u7ea6\u94f6\u884c\u4e00\u822c\u8981\u5230\u5411\u4e2a\u4eba\u62c5\u4fdd\u4eba\u63d0\u4f9b\u76f8\u5173\u8d44\u6599\u540e\u7684\u7b2c\u4e09\u5929\u624d\u63a5\u53d7\u62c5\u4fdd\uff0c\u9664\u975e\u62c5\u4fdd\u4eba\u5df2\u83b7\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u7b49\u4f8b\u5916\u60c5\u51b5\u3002<\/li><li>\u6309\u8be5\u5b88\u5219\uff0c\u62c5\u4fdd\u53ef\u9650\u4e8e\u7279\u5b9a\u91d1\u989d\u6216\u7279\u5b9a\u8d22\u4ea7\u7684\u4ef7\u503c\uff0c\u62c5\u4fdd\u4eba\u4e5f\u53ef\u4e66\u9762\u8981\u6c42\u9650\u5236\u62c5\u4fdd\u8d23\u4efb\u3002<\/li><li>\u5546\u4e1a\u8d37\u6b3e\u548c\u90e8\u5206\u79c1\u4eba\u501f\u8d37\u53ef\u80fd\u4e0d\u53d7\u4e0a\u8ff0\u6d88\u8d39\u8005\u4fe1\u8d37\u89c4\u5b9a\u4fdd\u62a4\u3002<\/li><\/ul>\n<h2>\u4ec0\u4e48\u662f\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u8bc1\u660e\uff1f\u8d37\u6b3e\u673a\u6784\u4e3a\u4f55\u8981\u6c42\uff1f<\/h2>\n<p>\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u8bc1\u660e\u662f\u7531\u5f8b\u5e08\u7b7e\u7f72\u7684\u6587\u4ef6\uff0c\u786e\u8ba4\u5f8b\u5e08\u5df2\u5728\u501f\u6b3e\u4eba\u4e0d\u5728\u573a\u7684\u60c5\u51b5\u4e0b\uff0c\u5411\u62c5\u4fdd\u4eba\u6216\u62b5\u62bc\u4eba\u89e3\u91ca\u4e86\u8d37\u6b3e\u3001\u62c5\u4fdd\u53ca\u62b5\u62bc\u6587\u4ef6\u7684\u6027\u8d28\u548c\u6cd5\u5f8b\u6548\u679c\uff0c\u4ee5\u53ca\u62c5\u4fdd\u4eba\u53ef\u80fd\u627f\u62c5\u7684\u8d23\u4efb\uff0c\u5e76\u786e\u8ba4\u62c5\u4fdd\u4eba\u770b\u6765\u662f\u7406\u89e3\u5e76\u81ea\u613f\u7b7e\u7f72\u7684\u3002\u6240\u8c13\u201c\u72ec\u7acb\u201d\uff0c\u662f\u6307\u8be5\u5f8b\u5e08\u4e0d\u4ee3\u8868\u501f\u6b3e\u4eba\uff0c\u4e5f\u4e0d\u4ee3\u8868\u8d37\u6b3e\u673a\u6784\uff0c\u53ea\u4e3a\u60a8\u7684\u5229\u76ca\u63d0\u4f9b\u610f\u89c1\u3002<\/p>\n<p>\u5982\u679c\u62c5\u4fdd\u4eba\u65e5\u540e\u80fd\u8bc1\u660e\u81ea\u5df1\u5f53\u65f6\u5e76\u4e0d\u7406\u89e3\u6587\u4ef6\u3001\u53d7\u5230\u4e0d\u5f53\u538b\u529b\uff0c\u6216\u8d37\u6b3e\u673a\u6784\u672a\u91c7\u53d6\u5408\u7406\u63aa\u65bd\uff0c\u6cd5\u9662\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u53ef\u80fd\u62d2\u7edd\u5f3a\u5236\u6267\u884c\u62c5\u4fdd\u3002\u56e0\u6b64\uff0c\u94f6\u884c\u3001\u975e\u94f6\u884c\u8d37\u6b3e\u673a\u6784\u548c\u79c1\u4eba\u653e\u8d37\u4eba\u666e\u904d\u4ee5\u5f8b\u5e08\u8bc1\u660e\u4f5c\u4e3a\u7b7e\u7ea6\u524d\u7684\u5fc5\u8981\u6761\u4ef6\u3002<\/p>\n<h2>\u7b7e\u7f72\u62c5\u4fdd\u524d\u5fc5\u987b\u4e86\u89e3\u7684\u4e3b\u8981\u98ce\u9669<\/h2>\n<ul>\n<li>\u507f\u8fd8\u4ed6\u4eba\u503a\u52a1\uff1a\u501f\u6b3e\u4eba\u8fdd\u7ea6\u65f6\uff0c\u62c5\u4fdd\u4eba\u53ef\u80fd\u987b\u507f\u8fd8\u6b20\u6b3e\uff0c\u89c6\u6761\u6b3e\u800c\u5b9a\u8fd8\u53ef\u80fd\u5305\u62ec\u5229\u606f\u3001\u8fdd\u7ea6\u8d39\u7528\u548c\u8ffd\u8ba8\u8d39\u7528\u3002<\/li>\n<li>\u623f\u4ea7\u98ce\u9669\uff1a\u5982\u4ee5\u60a8\u7684\u623f\u4ea7\u4f5c\u62b5\u62bc\uff0c\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u5728\u8fdd\u7ea6\u540e\u8981\u6c42\u51fa\u552e\u8be5\u623f\u4ea7\u3002<\/li>\n<li>\u201c\u5168\u90e8\u6b3e\u9879\u201d\u6761\u6b3e\uff08all monies clause\uff09\uff1a\u6b64\u7c7b\u6761\u6b3e\u53ef\u80fd\u4ee4\u62c5\u4fdd\u8303\u56f4\u5ef6\u4f38\u5230\u501f\u6b3e\u4eba\u73b0\u5728\u53ca\u5c06\u6765\u7684\u5176\u4ed6\u503a\u52a1\u3002<\/li>\n<li>\u5173\u7cfb\u53d8\u5316\u4e0d\u4f1a\u81ea\u52a8\u89e3\u9664\u62c5\u4fdd\uff1a\u5b50\u5973\u79bb\u5a5a\u3001\u751f\u610f\u4f19\u4f34\u4e0d\u548c\uff0c\u4e00\u822c\u4e0d\u4f1a\u4ee4\u62c5\u4fdd\u81ea\u52a8\u7ec8\u6b62\u3002<\/li>\n<li>\u5f71\u54cd\u81ea\u8eab\u501f\u8d37\u80fd\u529b\uff1a\u62c5\u4fdd\u8d23\u4efb\u53ef\u80fd\u5f71\u54cd\u60a8\u65e5\u540e\u7533\u8bf7\u8d37\u6b3e\u6216\u518d\u878d\u8d44\u3002<\/li>\n<\/ul>\n<h2>\u7236\u6bcd\u4e3a\u5b50\u5973\u8d2d\u623f\u8d37\u6b3e\u62c5\u4fdd\uff1a\u8981\u95ee\u6e05\u695a\u4ec0\u4e48\uff1f<\/h2>\n<p>\u5e38\u89c1\u7684\u201c\u5bb6\u5ead\u62c5\u4fdd\u201d\uff08family guarantee\uff09\u5b89\u6392\uff0c\u662f\u7236\u6bcd\u4ee5\u81ea\u5df1\u623f\u4ea7\u7684\u90e8\u5206\u6743\u76ca\u4e3a\u5b50\u5973\u7684\u623f\u8d37\u63d0\u4f9b\u989d\u5916\u62b5\u62bc\u3002\u4f8b\u5982\uff1a\u5b50\u5973\u5728\u58a8\u5c14\u672c\u8d2d\u4e70\u7b2c\u4e00\u5957\u516c\u5bd3\uff0c\u7236\u6bcd\u4ee5\u5df2\u8fd8\u6e05\u8d37\u6b3e\u7684\u81ea\u4f4f\u623f\u4e3a\u90e8\u5206\u8d37\u6b3e\u63d0\u4f9b\u6709\u9650\u62c5\u4fdd\u3002\u7b7e\u5b57\u524d\uff0c\u7236\u6bcd\u5e94\u95ee\u6e05\u695a\uff1a<\/p>\n<ul>\n<li>\u62c5\u4fdd\u662f\u5426\u6709\u91d1\u989d\u4e0a\u9650\uff0c\u4e0a\u9650\u662f\u5426\u5305\u62ec\u5229\u606f\u548c\u8d39\u7528\uff1f<\/li>\n<li>\u5728\u4ec0\u4e48\u6761\u4ef6\u4e0b\uff08\u4f8b\u5982\u8d37\u6b3e\u4f59\u989d\u964d\u5230\u67d0\u4e00\u6bd4\u4f8b\uff09\u53ef\u4ee5\u7533\u8bf7\u89e3\u9664\u62c5\u4fdd\uff1f<\/li>\n<li>\u5b50\u5973\u8fd8\u6b3e\u56f0\u96be\u65f6\uff0c\u8d37\u6b3e\u673a\u6784\u662f\u5426\u987b\u5148\u5411\u5b50\u5973\u8ffd\u8ba8\uff0c\u518d\u627e\u7236\u6bcd\uff1f<\/li>\n<li>\u5b50\u5973\u65e5\u540e\u518d\u878d\u8d44\u6216\u52a0\u501f\u6b3e\u9879\uff0c\u662f\u5426\u9700\u8981\u7236\u6bcd\u91cd\u65b0\u540c\u610f\uff1f<\/li>\n<\/ul>\n<h2>\u76f8\u5173\u6cd5\u5f8b\u6846\u67b6\uff1a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u4e0e\u94f6\u884c\u4e1a\u5b88\u5219<\/h2>\n<p>\u53d7\u300a2009\u5e74\u56fd\u5bb6\u6d88\u8d39\u8005\u4fe1\u8d37\u4fdd\u62a4\u6cd5\u300b\uff08National Consumer Credit Protection Act 2009\uff09\u53ca\u5176\u9644\u8868\u300a\u56fd\u5bb6\u4fe1\u8d37\u6cd5\u5178\u300b\u89c4\u7ba1\u7684\u8d37\u6b3e\uff0c\u5bf9\u62c5\u4fdd\u6709\u82e5\u5e72\u6cd5\u5b9a\u8981\u6c42\uff0c\u5305\u62ec\u62c5\u4fdd\u987b\u4ee5\u4e66\u9762\u5f62\u5f0f\u5e76\u7531\u62c5\u4fdd\u4eba\u7b7e\u7f72\u3001\u62c5\u4fdd\u4eba\u5e94\u5728\u7b7e\u7f72\u524d\u83b7\u5f97\u62df\u8bae\u8d37\u6b3e\u5408\u540c\u53ca\u8d44\u6599\u8bf4\u660e\uff0c\u4ee5\u53ca\u5728\u8d37\u6b3e\u53d1\u653e\u524d\u53ef\u4e66\u9762\u64a4\u56de\u62c5\u4fdd\u3002\u5982\u679c\u8d37\u6b3e\u5408\u540c\u5728\u53d1\u653e\u540e\u4e0e\u539f\u5148\u63d0\u4f9b\u7684\u6587\u672c\u6709\u91cd\u5927\u5dee\u5f02\uff0c\u62c5\u4fdd\u4eba\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u4e5f\u53ef\u64a4\u56de\u3002<\/p>\n<p>\u5df2\u7b7e\u7f72\u300a\u94f6\u884c\u4e1a\u884c\u4e3a\u5b88\u5219\u300b\u7684\u94f6\u884c\u8fd8\u987b\u9075\u5b88\u989d\u5916\u627f\u8bfa\uff0c\u4f8b\u5982\u5411\u4e2a\u4eba\u62c5\u4fdd\u4eba\u63d0\u4f9b\u8d37\u6b3e\u8d44\u6599\uff0c\u5e76\u4e00\u822c\u987b\u7b49\u5230\u7b2c\u4e09\u5929\u624d\u63a5\u53d7\u7b7e\u7f72\u7684\u62c5\u4fdd\u3002\u5546\u4e1a\u8d37\u6b3e\u3001\u516c\u53f8\u501f\u6b3e\u548c\u79c1\u4eba\u501f\u8d37\u53ef\u80fd\u4e0d\u53d7\u8fd9\u4e9b\u6d88\u8d39\u8005\u4fdd\u62a4\u89c4\u5b9a\u7ea6\u675f\uff0c\u62c5\u4fdd\u4eba\u66f4\u5e94\u5728\u7b7e\u5b57\u524d\u8bf7\u5f8b\u5e08\u5ba1\u9605\u3002<\/p>\n<h2>\u4e0d\u61c2\u82f1\u6587\u7684\u62c5\u4fdd\u4eba\uff1a\u8bc1\u660e\u6709\u54ea\u4e9b\u7279\u522b\u8981\u6c42\uff1f<\/h2>\n<p>\u591a\u6570\u8bc1\u660e\u683c\u5f0f\u8981\u6c42\u5f8b\u5e08\u786e\u8ba4\u62c5\u4fdd\u4eba\u7406\u89e3\u6240\u7b7e\u6587\u4ef6\u3002\u5982\u62c5\u4fdd\u4eba\u82f1\u8bed\u80fd\u529b\u6709\u9650\uff0c\u5f8b\u5e08\u987b\u4ee5\u5176\u80fd\u7406\u89e3\u7684\u8bed\u8a00\u89e3\u91ca\uff0c\u90e8\u5206\u8d37\u6b3e\u673a\u6784\u8fd8\u8981\u6c42\u4f7f\u7528\u5408\u8d44\u683c\u53e3\u8bd1\u5458\uff0c\u6216\u5728\u8bc1\u660e\u4e2d\u5199\u660e\u4ee5\u4f55\u79cd\u8bed\u8a00\u63d0\u4f9b\u610f\u89c1\u3002\u6211\u4eec\u7684\u5f8b\u5e08\u53ef\u76f4\u63a5\u7528\u666e\u901a\u8bdd\u6216\u7ca4\u8bed\u89e3\u91ca\uff0c\u4f46\u80fd\u5426\u4ee5\u5f8b\u5e08\u672c\u4eba\u7684\u8bed\u8a00\u80fd\u529b\u66ff\u4ee3\u53e3\u8bd1\u5458\uff0c\u53d6\u51b3\u4e8e\u5404\u8d37\u6b3e\u673a\u6784\u7684\u8981\u6c42\uff0c\u6211\u4eec\u4f1a\u5728\u4f1a\u9762\u524d\u5148\u884c\u6838\u5b9e\u3002<\/p>\n<p>\u5f8b\u5e08\u8fd8\u987b\u6838\u5b9e\u62c5\u4fdd\u4eba\u8eab\u4efd\uff0c\u5e76\u5355\u72ec\u4e86\u89e3\u62c5\u4fdd\u4eba\u662f\u5426\u53d7\u5230\u501f\u6b3e\u4eba\u65bd\u538b\u3002\u5982\u5f8b\u5e08\u8ba4\u4e3a\u62c5\u4fdd\u4eba\u5e76\u4e0d\u7406\u89e3\u6216\u5e76\u975e\u81ea\u613f\uff0c\u53ef\u4ee5\u62d2\u7edd\u7b7e\u7f72\u8bc1\u660e\u3002\u8bc1\u660e\u53ea\u786e\u8ba4\u60a8\u5df2\u83b7\u5f97\u89e3\u91ca\uff0c\u5e76\u4e0d\u4ee3\u8868\u8fd9\u7b14\u62c5\u4fdd\u5bf9\u60a8\u6709\u5229\uff0c\u662f\u5426\u7b7e\u5b57\u7531\u60a8\u51b3\u5b9a\u3002<\/p>\n<h2>\u79c1\u4eba\u501f\u8d37\u4e0e\u8d37\u6b3e\u5408\u540c\u5ba1\u9605<\/h2>\n<p>\u4eb2\u53cb\u4e4b\u95f4\u6216\u79c1\u4eba\u653e\u8d37\u4eba\u7684\u501f\u6b3e\u5f80\u5f80\u7f3a\u4e4f\u89c4\u8303\u6587\u4ef6\uff0c\u53d1\u751f\u7ea0\u7eb7\u65f6\u96be\u4ee5\u8ffd\u8ba8\u3002\u6211\u4eec\u53ef\u534f\u52a9\u8d77\u8349\u6216\u5ba1\u9605\u501f\u6b3e\u5408\u540c\uff08loan agreement\uff09\u3001\u62c5\u4fdd\u5951\u636e\uff08deed of guarantee\uff09\u548c\u62b5\u62bc\u6587\u4ef6\uff0c\u660e\u786e\u5229\u7387\u3001\u8fd8\u6b3e\u65f6\u95f4\u8868\u3001\u8fdd\u7ea6\u4e8b\u4ef6\u3001\u63d0\u524d\u8fd8\u6b3e\uff0c\u4ee5\u53ca\u5728\u571f\u5730\u767b\u8bb0\u5904\u767b\u8bb0\u62b5\u62bc\u6216\u5728\u4e2a\u4eba\u8d22\u4ea7\u62c5\u4fdd\u767b\u8bb0\u518c\uff08PPSR\uff09\u767b\u8bb0\u62c5\u4fdd\u6743\u76ca\u7b49\u5b89\u6392\u3002<\/p>\n<ul>\n<li>\u51fa\u501f\u4eba\uff1a\u786e\u4fdd\u6b3e\u9879\u53ef\u8ffd\u8ba8\u3001\u62b5\u62bc\u4e0e\u62c5\u4fdd\u53ef\u6267\u884c\uff1b<\/li>\n<li>\u501f\u6b3e\u4eba\uff1a\u6838\u67e5\u5229\u7387\u3001\u8fdd\u7ea6\u5229\u606f\u548c\u8d39\u7528\uff0c\u4e86\u89e3\u8fdd\u7ea6\u540e\u679c\uff1b<\/li>\n<li>\u8de8\u5883\u501f\u8d37\uff1a\u8003\u8651\u6c47\u6b3e\u5b89\u6392\u3001\u501f\u6b3e\u4eba\u8d44\u4ea7\u6240\u5728\u5730\uff0c\u4ee5\u53ca\u5c06\u6765\u5728\u6d77\u5916\u6267\u884c\u7684\u53ef\u884c\u6027\u3002<\/li>\n<\/ul>\n<h2>\u5e38\u89c1\u95ee\u9898<\/h2>\n<h3>\u94f6\u884c\u8981\u6c42\u62c5\u4fdd\u4eba\u627e\u5f8b\u5e08\u7b7e\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u8bc1\u660e\uff0c\u9700\u8981\u591a\u4e45\uff1f<\/h3><p>\u901a\u5e38\u4e00\u6b21\u4f1a\u9762\u5373\u53ef\u5b8c\u6210\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u6587\u4ef6\u6570\u91cf\u548c\u590d\u6742\u7a0b\u5ea6\u3002\u63d0\u524d\u628a\u8d37\u6b3e\u673a\u6784\u5bc4\u6765\u7684\u5168\u90e8\u6587\u4ef6\u548c\u8bc1\u660e\u683c\u5f0f\u53d1\u7ed9\u6211\u4eec\uff0c\u53ef\u4ee5\u8282\u7701\u65f6\u95f4\u3002<\/p>\n<h3>\u501f\u6b3e\u4eba\u7684\u5f8b\u5e08\u53ef\u4ee5\u540c\u65f6\u4e3a\u62c5\u4fdd\u4eba\u63d0\u4f9b\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u5417\uff1f<\/h3><p>\u4e00\u822c\u4e0d\u53ef\u4ee5\u3002\u72ec\u7acb\u610f\u89c1\u8981\u6c42\u5f8b\u5e08\u53ea\u4ee3\u8868\u62c5\u4fdd\u4eba\uff0c\u5927\u591a\u6570\u8d37\u6b3e\u673a\u6784\u4e0d\u63a5\u53d7\u7531\u501f\u6b3e\u4eba\u6216\u8d37\u6b3e\u673a\u6784\u7684\u5f8b\u5e08\u7b7e\u7f72\u62c5\u4fdd\u4eba\u8bc1\u660e\u3002<\/p>\n<h3>\u5df2\u7ecf\u7b7e\u4e86\u62c5\u4fdd\uff0c\u8fd8\u80fd\u64a4\u56de\u5417\uff1f<\/h3><p>\u89c6\u4e4e\u60c5\u51b5\u3002\u53d7\u300a\u56fd\u5bb6\u4fe1\u8d37\u6cd5\u5178\u300b\u89c4\u7ba1\u7684\u8d37\u6b3e\uff0c\u62c5\u4fdd\u4eba\u4e00\u822c\u53ef\u5728\u8d37\u6b3e\u53d1\u653e\u524d\u4e66\u9762\u64a4\u56de\uff1b\u53d1\u653e\u540e\u64a4\u56de\u7684\u7a7a\u95f4\u6709\u9650\u3002\u5546\u4e1a\u8d37\u6b3e\u9700\u770b\u5408\u540c\u6761\u6b3e\uff0c\u5efa\u8bae\u5c3d\u65e9\u54a8\u8be2\u5f8b\u5e08\u3002<\/p>\n<h3>\u7236\u6bcd\u4e3a\u5b50\u5973\u62c5\u4fdd\u623f\u8d37\uff0c\u6700\u591a\u8981\u627f\u62c5\u591a\u5c11\u8d23\u4efb\uff1f<\/h3><p>\u53d6\u51b3\u4e8e\u62c5\u4fdd\u6761\u6b3e\u3002\u6709\u9650\u62c5\u4fdd\u4f1a\u8bbe\u5b9a\u91d1\u989d\u6216\u8d22\u4ea7\u4ef7\u503c\u4e0a\u9650\uff1b\u65e0\u4e0a\u9650\u7684\u62c5\u4fdd\u53ef\u80fd\u6db5\u76d6\u5168\u90e8\u6b20\u6b3e\u53ca\u8d39\u7528\u3002\u7b7e\u5b57\u524d\u5e94\u786e\u8ba4\u4e0a\u9650\u53ca\u89e3\u9664\u6761\u4ef6\u3002<\/p>\n<h3>\u6211\u4eba\u5728\u6d77\u5916\uff0c\u53ef\u4ee5\u901a\u8fc7\u89c6\u9891\u5b8c\u6210\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u5417\uff1f<\/h3><p>\u90e8\u5206\u8d37\u6b3e\u673a\u6784\u63a5\u53d7\u89c6\u9891\u4f1a\u9762\uff0c\u90e8\u5206\u8981\u6c42\u4eb2\u8eab\u4f1a\u9762\u6216\u6307\u5b9a\u7684\u8eab\u4efd\u6838\u5b9e\u65b9\u5f0f\u3002\u6211\u4eec\u4f1a\u5148\u786e\u8ba4\u8d37\u6b3e\u673a\u6784\u7684\u8981\u6c42\uff0c\u518d\u5b89\u6392\u5408\u9002\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u5982\u679c\u60a8\u88ab\u8981\u6c42\u4e3a\u8d37\u6b3e\u63d0\u4f9b\u62c5\u4fdd\u6216\u62b5\u62bc\uff0c\u6216\u9700\u8981\u5ba1\u9605\u79c1\u4eba\u501f\u8d37\u5408\u540c\uff0c\u8bf7\u81f4\u7535 03 9602 3988 \u9884\u7ea6\u3002\u60a8\u53ef\u4ee5\u5230\u58a8\u5c14\u672c\u5e02\u4e2d\u5fc3 262 Queen Street \u4e8c\u697c\u529e\u516c\u5ba4\u9762\u8c08\uff0c\u6216\u901a\u8fc7\u89c6\u9891\u4f1a\u8bae\uff0c\u4ee5\u666e\u901a\u8bdd\u3001\u7ca4\u8bed\u6216\u82f1\u8bed\u6c9f\u901a\u3002\u7269\u4e1a\u4e0e\u5546\u4e1a\u4e8b\u52a1\u7531\u9648\u5f8b\u5e08\uff08Tan Chua\uff09\u8d1f\u8d23\u3002<\/p>\n<p>\u672c\u6587\u4ec5\u4e3a\u4e00\u822c\u6027\u4fe1\u606f\uff0c\u4e0d\u6784\u6210\u6cd5\u5f8b\u610f\u89c1\u3002<\/p>\n<p>\u672c\u9875\u5ba1\u9605\uff1a\u9648\u5f8b\u5e08 Tan Chua\uff08Chua Tan Associates\uff09\uff5c\u6700\u540e\u66f4\u65b0\uff1a2026\u5e7410\u6708<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c91db7 elementor-widget elementor-widget-html\" data-id=\"3c91db7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>(function(){var en=(document.documentElement.lang||\"\").indexOf(\"en\")===0;var F=[[\"\u94f6\u884c\u8981\u6c42\u62c5\u4fdd\u4eba\u627e\u5f8b\u5e08\u7b7e\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u8bc1\u660e\uff0c\u9700\u8981\u591a\u4e45\uff1f\",\"\u901a\u5e38\u4e00\u6b21\u4f1a\u9762\u5373\u53ef\u5b8c\u6210\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u6587\u4ef6\u6570\u91cf\u548c\u590d\u6742\u7a0b\u5ea6\u3002\u63d0\u524d\u628a\u8d37\u6b3e\u673a\u6784\u5bc4\u6765\u7684\u5168\u90e8\u6587\u4ef6\u548c\u8bc1\u660e\u683c\u5f0f\u53d1\u7ed9\u6211\u4eec\uff0c\u53ef\u4ee5\u8282\u7701\u65f6\u95f4\u3002\",\"How long does a solicitor's certificate of independent legal advice take?\",\"Usually one meeting, depending on the number and complexity of the documents. Sending us the lender's full document pack and certificate form in advance saves time.\"],[\"\u501f\u6b3e\u4eba\u7684\u5f8b\u5e08\u53ef\u4ee5\u540c\u65f6\u4e3a\u62c5\u4fdd\u4eba\u63d0\u4f9b\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u5417\uff1f\",\"\u4e00\u822c\u4e0d\u53ef\u4ee5\u3002\u72ec\u7acb\u610f\u89c1\u8981\u6c42\u5f8b\u5e08\u53ea\u4ee3\u8868\u62c5\u4fdd\u4eba\uff0c\u5927\u591a\u6570\u8d37\u6b3e\u673a\u6784\u4e0d\u63a5\u53d7\u7531\u501f\u6b3e\u4eba\u6216\u8d37\u6b3e\u673a\u6784\u7684\u5f8b\u5e08\u7b7e\u7f72\u62c5\u4fdd\u4eba\u8bc1\u660e\u3002\",\"Can the borrower's lawyer give the guarantor independent legal advice?\",\"Generally no. Independent advice means the solicitor acts only for the guarantor, and most lenders will not accept a guarantor's certificate signed by the borrower's or the lender's lawyer.\"],[\"\u5df2\u7ecf\u7b7e\u4e86\u62c5\u4fdd\uff0c\u8fd8\u80fd\u64a4\u56de\u5417\uff1f\",\"\u89c6\u4e4e\u60c5\u51b5\u3002\u53d7\u300a\u56fd\u5bb6\u4fe1\u8d37\u6cd5\u5178\u300b\u89c4\u7ba1\u7684\u8d37\u6b3e\uff0c\u62c5\u4fdd\u4eba\u4e00\u822c\u53ef\u5728\u8d37\u6b3e\u53d1\u653e\u524d\u4e66\u9762\u64a4\u56de\uff1b\u53d1\u653e\u540e\u64a4\u56de\u7684\u7a7a\u95f4\u6709\u9650\u3002\u5546\u4e1a\u8d37\u6b3e\u9700\u770b\u5408\u540c\u6761\u6b3e\uff0c\u5efa\u8bae\u5c3d\u65e9\u54a8\u8be2\u5f8b\u5e08\u3002\",\"I have signed a guarantee. Can I withdraw?\",\"It depends. For loans regulated by the National Credit Code, a guarantor can generally withdraw in writing before credit is provided, with limited options after that. For business loans it depends on the contract, so get advice early.\"],[\"\u7236\u6bcd\u4e3a\u5b50\u5973\u62c5\u4fdd\u623f\u8d37\uff0c\u6700\u591a\u8981\u627f\u62c5\u591a\u5c11\u8d23\u4efb\uff1f\",\"\u53d6\u51b3\u4e8e\u62c5\u4fdd\u6761\u6b3e\u3002\u6709\u9650\u62c5\u4fdd\u4f1a\u8bbe\u5b9a\u91d1\u989d\u6216\u8d22\u4ea7\u4ef7\u503c\u4e0a\u9650\uff1b\u65e0\u4e0a\u9650\u7684\u62c5\u4fdd\u53ef\u80fd\u6db5\u76d6\u5168\u90e8\u6b20\u6b3e\u53ca\u8d39\u7528\u3002\u7b7e\u5b57\u524d\u5e94\u786e\u8ba4\u4e0a\u9650\u53ca\u89e3\u9664\u6761\u4ef6\u3002\",\"How much could parents be liable for when guaranteeing a child's home loan?\",\"It depends on the terms. A limited guarantee caps liability at an amount or a property's value, while an unlimited one may cover the whole debt and costs. Confirm the limit and release conditions before signing.\"],[\"\u6211\u4eba\u5728\u6d77\u5916\uff0c\u53ef\u4ee5\u901a\u8fc7\u89c6\u9891\u5b8c\u6210\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u5417\uff1f\",\"\u90e8\u5206\u8d37\u6b3e\u673a\u6784\u63a5\u53d7\u89c6\u9891\u4f1a\u9762\uff0c\u90e8\u5206\u8981\u6c42\u4eb2\u8eab\u4f1a\u9762\u6216\u6307\u5b9a\u7684\u8eab\u4efd\u6838\u5b9e\u65b9\u5f0f\u3002\u6211\u4eec\u4f1a\u5148\u786e\u8ba4\u8d37\u6b3e\u673a\u6784\u7684\u8981\u6c42\uff0c\u518d\u5b89\u6392\u5408\u9002\u7684\u65b9\u5f0f\u3002\",\"I live overseas. Can independent legal advice be done by video?\",\"Some lenders accept video meetings, while others require an in-person meeting or a particular identity check. We confirm the lender's requirements first and arrange the meeting accordingly.\"]];var u=location.href.split(\"?\")[0].split(\"#\")[0];var d={\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":u+\"#faq\",\"inLanguage\":en?\"en-AU\":\"zh-CN\",\"mainEntity\":F.map(function(f){return{\"@type\":\"Question\",\"name\":en?f[2]:f[0],\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":en?f[3]:f[1]}}})},{\"@type\":\"LegalService\",\"@id\":\"https:\/\/chuatan.com.au\/#legalservice\",\"name\":\"Chua Tan Associates \u8521\u5e86\u4f1f\u5f8b\u5e08\u4e8b\u52a1\u6240\",\"url\":\"https:\/\/chuatan.com.au\/\",\"telephone\":\"+61 3 9602 3988\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"Level 2, 262 Queen Street\",\"addressLocality\":\"Melbourne\",\"addressRegion\":\"VIC\",\"postalCode\":\"3000\",\"addressCountry\":\"AU\"},\"areaServed\":\"AU\",\"availableLanguage\":[\"zh-CN\",\"yue\",\"en\"]}]};var s=document.createElement(\"script\");s.type=\"application\/ld+json\";s.text=JSON.stringify(d);document.head.appendChild(s)})();<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-611f775b e-con-full e-flex e-con e-child\" data-id=\"611f775b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49934e69 elementor-widget elementor-widget-heading\" data-id=\"49934e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u76f8\u5173\u6587\u7ae0<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53b0d5e2 e-con-full e-flex e-con e-parent\" data-id=\"53b0d5e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ebda49d e-con-full e-flex e-con e-child\" data-id=\"4ebda49d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-340dcf03 elementor-widget elementor-widget-heading\" data-id=\"340dcf03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u5ba2\u6237\u8bc4\u4ef7<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a3cd7c0 e-con-full e-flex e-con e-child\" data-id=\"6a3cd7c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6378dd52 elementor-widget elementor-widget-testimonial\" data-id=\"6378dd52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\u201cI've had a very positive experience with Chua Tan Associates, they've been absolutely professional and prompt in dealing with my case. I'd like to thank Mr Kin Chua, Mr Justin Chua and Chua Tan associates for their assistance in ensuring the best outcome and providing consistent updates.\u201d \u7ffb\u8bd1\uff1a\u201d\u6211\u5728 Chua Tan Associates \u7684\u7ecf\u5386\u975e\u5e38\u79ef\u6781\uff0c\u4ed6\u4eec\u5728\u5904\u7406\u6211\u7684\u6848\u4ef6\u65f6\u975e\u5e38\u4e13\u4e1a\u4e14\u8fc5\u901f\u3002\u6211\u8981\u611f\u8c22 Kin Chua \u5148\u751f\u3001Justin Chua \u5148\u751f\u548c Chua Tan \u7684\u540c\u4e8b\u786e\u4fdd\u6700\u4f73\u7ed3\u679c\u5e76\u63d0\u4f9b\u53ca\u65f6\u7684\u6c9f\u901a\u3002\u201d<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Howard Diep (Google Review)<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2be3524f e-con-full e-flex e-con e-child\" data-id=\"2be3524f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-319a9e67 elementor-widget elementor-widget-testimonial\" data-id=\"319a9e67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\u201cOur family has been dealing with the team for 10 years, regarding immigration, business, and property. Very professional experience, and response our request in timely matter.\u201d \u7ffb\u8bd1\uff1a\u201c\u6211\u4eec\u7684\u5bb6\u65cf\u5df2\u7ecf\u4e0e\u56e2\u961f\u6253\u4ea4\u905310\u5e74\u4e86\uff0c\u6d89\u53ca\u79fb\u6c11\u3001\u5546\u4e1a\u548c\u8d22\u4ea7\u65b9\u9762\u7684\u4e8b\u52a1\u3002\u4ed6\u4eec\u6709\u975e\u5e38\u4e13\u4e1a\u7684\u7ecf\u9a8c\uff0c\u5e76\u4e14\u53ca\u65f6\u54cd\u5e94\u6211\u4eec\u7684\u8981\u6c42\u3002\u201d<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Thomas Tang \uff08Google Review)<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3345bcf7 e-flex e-con-boxed e-con e-parent\" data-id=\"3345bcf7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e899dc elementor-widget elementor-widget-heading\" data-id=\"8e899dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u6e05\u6670\u7684\u6cd5\u5f8b\u5efa\u8bae\uff0c\u7ed3\u5408\u5b9e\u9645\u7684\u5546\u4e1a\u8003\u91cf<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-986235e elementor-widget elementor-widget-text-editor\" data-id=\"986235e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u5728\u7ebf\u9884\u7ea6\uff0c\u53ef\u5230\u58a8\u5c14\u672c\u5e02\u4e2d\u5fc3\u529e\u516c\u5ba4\u9762\u8c08\uff0c\u6216\u901a\u8fc7\u89c6\u9891\u54a8\u8be2\u6211\u4eec\u7684\u5f8b\u5e08\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4511beff elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"4511beff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/chuatan.com.au\/en\/melbourne-lawyer\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span 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data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u60a8\u662f\u5426\u6709\u9700\u8981\u89e3\u51b3\u7684\u6cd5\u5f8b\u95ee\u9898\u6216\u8005\u5176\u4ed6\u95ee\u9898\u9700\u8981\u5bfb\u6c42\u89e3\u51b3\u65b9\u6848\uff1f\u8054\u7cfb\u6211\u4eec\u4e3a\u60a8\u63d0\u4f9b\u6700\u8be6\u5c3d\u7684\u5206\u6790\u53ca\u89e3\u51b3\u65b9\u6848\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-631b39c4 elementor-button-align-end elementor-widget elementor-widget-form\" data-id=\"631b39c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" 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