为什么要做婚前协议？三个你应该知道的真相 Why Consider a Prenup? 3 Things You Should Know

当我们谈到“婚前协议”（Prenuptial Agreement），很多人第一反应是：“我们是真爱，不需要这个。”但实际上，婚前协议并不是不信任，而是一种对彼此的尊重和对未来的规划。

以下三个问题，是我们在日常工作中经常被问到的：

When people hear the word “prenuptial agreement,” many instinctively react: “But we’re truly in love — we don’t need that.”In reality, a prenup isn’t about doubt or mistrust. It’s about mutual respect, transparency, and future planning.

Here are three common questions we often get from clients:

1. 为什么要做婚前协议？

婚前协议可以明确婚前资产的归属、婚后收入与财产的分配方式、离婚时的财产安排，甚至可以对婚姻期间某些财务习惯进行约定。它的重点不是为了离婚，而是让双方在感情最稳固、沟通最顺畅的时候，把重要的财务问题谈清楚。婚前协议是对婚姻的一种成熟准备，也是一种风险管理。

1. Why would anyone want a prenup?

A prenuptial agreement can clarify the ownership of premarital assets, the handling of finances during the marriage, and what happens to property in the event of divorce or death. It’s not about planning for the worst — it’s about having honest conversations when things are good, so everyone is on the same page. It’s a form of financial maturity and risk management.

2. 我们是真爱，签婚前协议是不是太伤感情了？

“真爱”不是逃避现实，而是可以在诚实沟通中变得更稳固。婚姻是法律关系，除了感情，也涉及金钱、责任和风险。婚前协议的过程，反而可以帮助双方坦诚讨论各自的价值观和未来的预期，建立更强的信任。

2. Isn’t it unromantic to talk about a prenup?

Love isn’t fragile — it can withstand honest conversations. Marriage is not only a personal commitment, but also a legal and financial partnership. The process of creating a prenup can actually strengthen a relationship, helping partners understand each other’s values and expectations better.

3. 哪些人一定要考虑做婚前协议？

• 进入婚姻时有较多资产的人

• 有家庭企业、信托或继承财产安排的人

• 再婚人士，有子女或复杂家庭结构

• 有可能从父母那里获得大额赠与或遗产的人

• 一方经济明显优于另一方，或收入差异较大

3. Who should definitely consider a prenup?

• Individuals entering marriage with significant assets

• Anyone with family businesses, trusts, or inheritance plans

• People entering a second marriage, especially with children or blended families

• Those expecting large gifts or inheritance from family

• Couples with significant income or asset disparities

婚前协议不是富人的专利，而是任何希望在婚姻中保持财务清晰与公平的人，都可以考虑的工具。

Prenups aren’t just for the wealthy — they’re for anyone who wants financial clarity and fairness in their marriage.