先说一句：**这件事不用今天做完。** 但有几类是有时限的，而且拖着会一直产生损失——所以先把清单列出来，剩下的一类一类来。 这个工具在这里能做的最有用的一件事，是把**你已经想到的**和**你还没想到的**分开。漏掉的往往不是房子和存款，是那些不在任何一张卡上、家属完全不知道数额的东西：**住房公积金、社保个人账户、未到期理财、企业年金、借出去的钱**，以及**债务与对外担保**。把已知的列进来，代码按十二类比对，直接告诉你哪几类还没碰过，每一类去哪查、一般要什么材料。 然后是顺序——顺序比清单更重要：死亡证明与亲属关系证明多开几份（后面处处要用）→ 有时限的社保类先问 → 会持续产生费用的（按揭、卡债、物业、车险）→ 需要所有继承人到场的（最耗时间）→ **最后才是分配**。在清单没盘完之前谈分配，几乎一定要返工。 有两件事现在知道比以后知道好：**债务和资产一起继承**（在所继承财产范围内清偿），以及**有明确受益人的保险金通常不属于遗产**——后者经常被误解，而它可能直接改变整件事的处理方式。 $3 解锁按机构分的材料对照表、办理顺序与预约话术、继承人之间怎么沟通，以及一份可打印的进度跟踪表。First: **this does not have to be finished today.** But a few categories carry deadlines and some keep costing money while they wait — so build the list, then work through it one item at a time. The most useful thing here is separating **what you've already thought of** from **what you haven't**. What gets missed is rarely the house or the savings account; it's the things that appear on no card and whose value the family has no idea of — **housing fund balances, social-insurance personal accounts, unmatured investment products, annuities, money lent to others** — and **debts and guarantees**. Paste what you know and the code checks it against twelve categories, names the ones you haven't touched, and gives the usual route and paperwork for each. Then the ordering, which matters more than the list: get multiple original copies of the death certificate and proof of kinship (everything downstream needs them) → ask about the time-limited social-insurance items first → handle whatever keeps accruing (mortgage, card debt, property fees, car insurance) → start early on anything needing every heir present → **distribution last**. Discussing shares before the list is complete almost always gets redone. Two things worth knowing now: **debts are inherited alongside assets** (settled within the value of what's inherited), and **life insurance with a named beneficiary usually isn't part of the estate at all** — widely misunderstood, and it can change the entire approach. $3 unlocks a document matrix by institution, the processing order with what to ask when booking, how to keep the heirs aligned, and a printable tracker.
按机构分的材料对照表（每个窗口要带什么、能不能代办、要不要公证）、办理顺序与预约时的问法、继承人之间的沟通与记录方式（避免最常见的两类争执）、以及一份可打印的进度跟踪表。A document matrix by institution (what each window needs, whether someone can go on your behalf, whether notarisation is required), the processing order with what to ask when booking, how to keep heirs informed and recorded so the two usual disputes don't start, and a printable tracker.
**本工具不提供法律意见，也不代替律师、公证处或任何机构的答复。** 继承涉及遗嘱效力、法定继承顺序、代位继承、夫妻共同财产析产、涉外因素等复杂问题，任何一项都可能改变结论；具体如何继承请咨询律师或公证处。各机构的查询与办理流程、所需材料、办理时限**各地不同且时常调整**，本工具给出的是一般路径，务必以你办理时该机构当前的要求为准。若债务可能超过资产、继承人之间存在争议、或涉及境外资产，请务必先咨询专业人士再采取行动。请勿在此填写身份证号、银行卡号、密码或保单号——盘点只需要知道「有这一类」。你填写的内容不入库。**This is not legal advice and does not substitute for a lawyer, a notary or any institution's own answer.** Inheritance involves the validity of wills, statutory succession order, representation, division of marital property and cross-border factors — any of which can change the outcome. Consult a lawyer or notary about your specific situation. Procedures, required documents and deadlines **differ by locality and change over time**; what's here is the usual route, and the institution's current requirements govern. If debts may exceed assets, if heirs disagree, or if assets are held abroad, seek professional advice before acting. Do not enter ID numbers, account numbers, passwords or policy numbers — knowing the category is enough. Nothing you enter is stored.