Kutenga imba pamwe chete — vangave vadyidzani, shamwari, kana mhuri — kunouya nesarudzo dzinovharira mari, mutero, uye mhedzisiro yenhaka pasi pemutemo wechiDutch. Ndiani muridzi wemugove upi, nzira yekudzivirira dhipoziti isina kuenzana kana chipo chevabereki, chii chinorehwa nechikwereti chemondi, chii chinoitika pakuparadzana kana kufa, uye kuti mitemo yakaita sebijleenregeling uye nhoroondo yemuridzi wemba inokanganisa sei kubviswa: kuwana kusawirirana uku uye kunodhura kunogona kutevera. Nezvekubuda kunze, wedzera hutano hweVvE, erfpacht, uye zvinyorwa kumusanganiswa, uye muganho wekukanganisa unowedzera.
Iyi inoshanda yeNetherlands-yakatarisana negwara kubva Law & More inokupa yakajeka, nhanho-ne-nhanho yekutarisa: kusarudza iyo hukama hwehukama (wanano, mubatanidzwa wakanyoreswa, kana chibvumirano chekugara), kuseta muridzi mugwaro, kuchengetedza mipiro nedraagplichtovereenkomst, kuronga imba yako yemba (kusanganisira NHG), kuronga zvido uye verblijvings, mafambisirwo emitero, mitsara yemitero, mitsetse, mibairo, mibairo, mibairo, mibairo. kudzivirira pane imwe neimwe nhanho. Ngatitangei nemazano anoenderana nemutemo emamiriro ako ezvinhu.
1. Tanga nezano rakagadzirirwa remutemo rechiDutch (Law & More)
Kutenga imba pamwe chete? Tanga neakarongedzerwa Dutch zano pane izvo zvemutemo zvakakosha. Law & More's timu yemitauro yakawanda, yakawedzerwa-maawa anoenzanisa chibvumirano, zvibvumirano, chikwereti chemba, mutero, uye sarudzo yenhaka-kusati kwamanikidzwa kubva kune zvinopihwa uye nemazuva ekupedzisira kutungamirira kukukanganisa kunodhura.
Chii ichocho
Isu tinomepu mamiriro ako, mari, uye njodzi, tozozvishandura kuita zvinyorwa zveDutch zvinosunga. Izvo zvinodzivirira muridzi, mutoro, uye kusawirirana kwenhaka gare gare.
Key Netherlands chaiyo
Key levers: iyo 2018 mishoma mitemo yezvivakwa zvenharaunda, zvibvumirano zvekugara pamwe chete, draagplichtovereenkomst, NHG, bijleenregeling/nemba yemuridzi wemba, uye notarial zviito. Imwe neimwe inogona kushandura chikwereti, mazwi embanje, uye zororo rako remutero.
Sarudzo dzekuita
Sarudza nokukurumidza, nyora zvakajeka. Tinozvigadzirira iwe.
- mugove wemuridzi muchiito
- Mortgage setup uye NHG
Dambudziko rekudzivisa
Kutarisa kudiki kunokonzera mari huru. Kubvunzana kwenguva pfupi kunodzivirira zvakanyanya.
- kutora community property
- kufuratira nhoroondo yevaridzi vemba nekubviswa
2. Sarudza hurongwa hwehukama hwako: muchato, kunyoreswa kwekudyidzana, kana chibvumirano chekugarisana
Musati matenga imba pamwe chete, sarudzai hukama hwepamutemo huchatonga muridzi, zvikwereti, uye zvinoitika pakuparadzana kana kufa. Hurongwa hwenyu hunoisa mitemo yekuti ndiani muridzi wemidziyo yagara iripo, kuti imba inopatsanurwa sei, uye kuti ndiani anogara nhaka pasina kurwisana kwematare.
Chii ichocho
Iwe unogona kugadzirisa hukama hwako sewanano, mubatanidzwa wakanyoreswa, kana nechibvumirano che notarial cohabitation (samenlevingscontract). Sarudzo yega yega inotemesa zvimiro zvezvivakwa, kuti wakanyoreswa sei pamwe chete, uye ndedzipi dziviriro dzinogona kuvakwa mukati.
Key Netherlands chaiyo
Michato/kudyidzana kwakapera kubva musi wa 1 Ndira 2018 kunowira pasi penharaunda shoma yemidziyo: midziyo yepamberi nezvikwereti zvinoramba zviri zvemunhu kunze kwekunge zvashandurwa ne(pre)nuptial/partnerschap conditions. Cohabitation zvibvumirano zvinorekodha kuva muridzi uye mabasa, zvinogona kusanganisira survivorship clause (verblijvingsbeding), asi usabatanidza midziyo yako; penjeni inoda gadziriro dzehomwe dzakasiyana. Inishuwarenzi yehupenyu inowanzokurudzirwa.
Sarudzo dzekuita
Sarudza kuti ndeupi hurongwa hunoenderana, ungave waunoda (pre) kuroorana kana kudyidzana mamiriro, uye chii chingasanganisira muchibvumirano chekugara pamwe chete: zita rechibvumirano, kugovana mutengo, kurarama, uye zvigadziriso zvemubatsiri wepenjeni. Itai kuti iurayiwe nenyanzvi.
Dambudziko rekudzivisa
Usafunge kuti kodzero dze "common-law" dziripo, kana kuti midziyo yenharaunda inoshanda otomatiki mushure me2018. Dzivisa zvibvumirano zvepadivi zvisina kusainwa, kusawirirana nechiito nekondirakiti yako, uye uchisiya mamiriro erufu asina kugadziriswa kusvika gare gare.
3. Seta migove yevamiriri muchibvumirano (uye kuti izvi zvinosiyana sei nemidziyo yenharaunda)
Paunenge uchitenga imba pamwe chete, sarudza uye rekodha kupatsanurwa kwako kwemuridzi mune notarial deed. Unogona kuita mari pamari imwe chete asi zvese zvichinyorwa sevaridzi; migove yako inogona kuenzana kana kuratidza dhipoziti dzakasiyana uye zvirongwa.
Chii ichocho
The notarial deed of transfer records who owns which percentage of the house. Iro zita rakakamurwa rinomira padivi pechipo chako chemba uye chero zvibvumirano zvekugovanisa mutengo, uye inodzivirira kusahadzika gare gare nezve equity uye mari yekutengesa.
Key Netherlands chaiyo
Kubva 1 Ndira 2018, iyo Yakaganhurwa Nharaunda yeZvivakwa mitemo inoreva kuti zvinhu zvepamberi uye zvikwereti zvinoramba zviri zvemunhu kunze kwekunge wabvumirana neimwe nzira. Nharaunda yenharaunda ihurumende yewanano; haingobvisi migove yedeed. Nechibvumirano chekugara pamwe chete, iwe wakanyoreswa sevaridzi vemba vakabatanidzwa uye pamwe chete vane mutoro wekutora imba.
Sarudzo dzekuita
Sarudza zvakajeka uye gadzirisa zvinyorwa zvose.
- Uridzi muzana mugwaro: 50/50 kana imwe kupatsanurwa.
- Kugovana zvikwereti (draagplichtovereenkomst): enzanisa mareshiyo ekubhadhara kune zvinangwa zvevaridzi.
- Kubatana: sarudzo dzegirazi mukugarisana kana (pre) chibvumirano chemuchato.
Dambudziko rekudzivisa
Usavimbe nefungidziro—inyore.
- Kutora "nharaunda" = 50/50 zita: post-2018, hazviiti.
- Zvisina kuenzana madhipoziti, dhidhiyo yakaenzana: inogadzira kuenzana kusina kunaka pakutengesa.
- Kusiyana: dhidhi inotaura chinhu chimwe, chitenderano chechikwereti chimwe; vanokweretesa vanogona kuramba vakabata varidzi vese pamwe chete vane mhosva yehomwe.
4. Chengetedza madhipoziti asina kuenzana uye rubatsiro rwevabereki: zvipo, zvikwereti, uye zvikamu zvekuregererwa
Mari dzisina kuenzana uye kutsigirwa kwemhuri zvakajairika pakutenga imba pamwe chete-usaite kuti iparare muchikamu che50/50. MuNetherlands, vabereki vanogona kubatsira nekupa kana kukweretesa; Sarudzo yako inofanirwa kunyorwa uye inoenderana neiyo deed shares uye yako draagplichtovereenkomst kuitira kuti kuenzana kwemunhu wese kuchengetedzwa.
Chii ichocho
Iwe unogadzirisa rutsigiro rwemhuri sechipo kana chikwereti uye wochibatanidza kune muridzi uye hurongwa hwekubhadhara, saka mari dzekutengesa uye zvikwereti zvinoteedzera mipiro chaiyo.
Key Netherlands chaiyo
Vabereki vanogona kutsigira nekupa kana kukweretesa. Iwe uchiri kukwanisa kutenga pamwe chete kunyange kana chikwereti chiri pamubhadharo mumwe chete; nyora mipiro muchiito nezvibvumirano. Notarial exclusion clause inogona kuchengeta chipo chako pachako kana ukazoparadzana.
Sarudzo dzekuita
- Chipo kana chikwereti: Sarudza fomu woriisa mukunyora (chipo chechipo kana chibvumirano chechikwereti).
- Title split: Ratidza kusaenzana deposits mu deed percentage.
- Kubhadhara mitemo: Kana chiri chikwereti, isa pekutanga kubhadhara pakutengesa muzvibvumirano zvako.
- Kusarudzika clause: Wedzera mashoko kuitira kuti chipo chevabereki chirambe chiri chinhu chako pachako.
Dambudziko rekudzivisa
- "Ticharangarira kuti ndiani akabhadhara": Zvivimbiso zvemashoko hazvizopukunyuki pakurambana kana kutengeswa.
- Equal deed, kusaenzana mari: Inogadzira kufambiswa kwemari isingatarisirwi.
- Zvikwereti zvemhuri zvisina kujeka: Hapana mazwi, hapana zvakakosha, mamwe makakatanwa.
- Zvipo zvisina kudzivirirwa: Pasina chirevo chekuregererwa, chipo chinogona kubatwa sekubatana.
5. Rekodha mupiro uye zvibvumirano zvemhosva (draagplichtovereenkomst)
Pakutenga imba pamwe chete, chibvumirano ichi ndechimwe chezvinhu zvinokosha zvepamutemo zvinochengetedza rugare gare gare. Inogadzirisa kuti ndiani ane chikamu chechikwereti chemumba uye mari inoenderera, saka madhipoziti asina kuenzana, mubhadharo wakawedzerwa, kana zororo rebasa hazvishanduke mune zvisingatarisirwe 50/50 zvabuda pakutengesa kana patsanuro.
Chii ichocho
A draagplichtovereenkomst chibvumirano chakanyorwa, chinogoneka pakati pevaridzi-vamwe chinogovera mutoro wemukati wemukuru wemba, mhindu, uye mutengo wemba. Inoshanda padivi pechiito uye chikwereti; haichinji kodzero dzebhangi.
Key Netherlands chaiyo
Inojekesa migove yechikwereti chemukati kunyangwe vazhinji vanokweretesa vakabata vanokwereta pamwe chete uye vane mhosva yakawanda.
- Zvinongedzo kune chinzvimbo chemutero: Ratio inogona kukanganisa mataurirwo anoitwa ruyamuro uye kuti kuenzana kunogovanwa sei gare gare.
- Zvinoenderana nechiito: Vaviri vane huwandu hwevaridzi uye chero zvipo / zvikwereti.
Sarudzo dzekuita
Tsanangura muenzaniso izvozvi, kwete panguva yekunetsana.
- Kukamurwa kwechikwereti: semuenzaniso,
70/30kana mitemo ine simba mushure mezviitiko zvehupenyu. - Kudzorera/zvekuwedzera: Ndiani anopa mari yekuwedzera amortization uye ndiani anobatsirwa.
- Zvinodhura: Maintenance, VvE, inishuwarenzi, uye bhajeti rekugadzirisa.
- Zvakakosheswa pakutengeswa: Gadzirisa zvikwereti zvemhuri kana kudzosera mari dzemadhipoziti kutanga.
Dambudziko rekudzivisa
Usafunga kuti zvinangwa “zvinonzwisiswa”—zvinyore pasi.
- Kufunga kunosunga bhangi: Inongosunga iwe nemumwe wako (s).
- Zvisizvo nematemu echiito/chipo: Zvinokonzera kuenzana uye kusawirirana kwemitero.
- Hapana zvinokonzeresa: Kutadza kugadzirisa mushure mekubhadhara mari, kugadziridza, kana rubatsiro rwevabereki.
6. Sarudza marongero ehomwe yako: mari imwe chete kana mbiri, chikwereti chemubatanidzwa, uye NHG
Mortgage setup yako inotyaira izvo zvaunogona kukwereta uye ndiani anotakura njodzi. Sarudzai nekukasika: muhoro mumwe kana maviri, chikwereti chemubatanidzwa, uye kuti NHG ndeyako here—zvino enderana negwaro rako uye draagplichtovereenkomst kana muchitenga imba mese.
Chii ichocho
Ndiwo musanganiswa wekuti ndiani anoshanda, mari yaani inoongororwa, uye dziviriro ipi inoshanda. Inotara kuti ndiani angatevedzwa nemukweretesi uye kuti chikwereti chinoramba chakachipa sei kana mamiriro akachinja.
Key Netherlands chaiyo
MuNetherlands, vatengi-vatengesi vanowanzo kunyorera uye vakabatana vane mutoro - kunyangwe kana mari imwe chete ichishandiswa kugona. Ose ari maviri anogona kunge ari pamusoro; NHG inogona kupa mambure ekuchengetedza uye nekupesvedzera mamiriro emukweretesi.
Sarudzo dzekuita
Sarudza hwaro hwemari (imwechete kana mbiri) inokodzera buffer yako. Simbisa vese vanyoreri uye kurongeka kwechiito, uye kumbira chipangamazano wako kuti aedze kukodzera kweNHG uye mamiriro.
Dambudziko rekudzivisa
Usatore mari imwe chete yekuongorora miganhu kana mukasaina mese. Dzivisa mhosva inoenderana nedeed/draagplicht, kana kutarisisa nhoroondo yemuridzi wemba inokanganisa kubviswa kwemhindu.
7. Verengai mitengo yepamberi nemitero: mutero wekufambisa, notary, valuation, uye muripo
Kuronga mari kunokosha sekubhadhara kwako pamwedzi. Kana muchitenga imba mese, nyorai mari imwe neimwe yamunofanira kubhadhara pakusaina nekupedza kuitira kuti musamanikidzwe kupinda muminiti yekupedzisira kana tarisiro dzisina kuenderana pakati pevatengi.
Chii ichocho
Urwu ndirwo runyoro rwako rwekutenga zvinhu zvemazuva ano zvemari: mutero wekufambisa (overdrachtsbelasting), muripo wevanyori wegwaro rekuchinjisa uye remba remba, kukosha (mutero) kumukweretesi, uye mari yekuraira/yekuronga. Bvumiranai kuti izvi zvinopatsanurwa sei padivi pemigove yako yevaridzi uye draagplichtovereenkomst.
Key Netherlands chaiyo
MuNetherlands, vatengi vese vari vaviri pachibvumirano chekutenga uye reti remba, uye vanokweretesa vanowanzoda chirevo chekuyeresa. Notary inogadzirira zviito; Zviitiko zvehupenyu uye nhoroondo yemuridzi wemba inogona kukanganisa kurongeka kwemitengo yese, saka batanidza mutero, zviitwa, uye sarudzo dzembanje kare.
Sarudzo dzekuita
- Ndiani anobhadhara chii: Match mutengo kugova kune deed percentage uye zvibvumirano.
- Nguva uye buffers: Chengetedza mari yemainvoice anofanirwa kutanga kana kupera.
- Zvinyorwa: Chengetedza zvibvumirano uye risiti kune humbowo mipiro.
Dambudziko rekudzivisa
- Kurerutsa mutero wekufambisa uye basa remunyori: Izvi zvinhu zvakakosha zvemutsetse.
- Zvikamu zvisina kujeka: Zvisina kujeka “tichazvigadzirisa gare gare” zvinovimbisa zvinomutsa nharo.
- Misalignment: Mari inobhadharwa zvisina kuenzana asi deed inoratidza 50/50, inobvisa kururamisira gare gare.
8. Ziva chinzvimbo chako chemutero mushure mekutenga: kubviswa kwemubereko wembande, bijleenregeling, uye nhoroondo yemuridzi wemba.
Mushure mekunge makiyi achinja maoko, mitemo yemutero yeDutch inotanga kuumba yako mambure edzimba. Kubvisa mubereko wemondi hakungoitike kana kuenzana kune vakaroorana vese; Uridzi hwepamberi uye mutemo wekudzoreredza (bijleenregeling) unogona kuderedza kana kushandura zvaunogona kubvisa. Rongedza chiito chako, chikwereti, uye zvibvumirano nemutero wako chaiwo usati wadzoka kwekutanga.
Chii ichocho
Yako post-kutenga mutero chinzvimbo mabatiro anoita mitemo yechiDutch yako mubereko wembavha uye kuenzana. Kutenga pamwe chete kunogona kubatanidza nhoroondo dzako; a draagplichtovereenkomst inogona kupatsanura mitoro yemukati, asi haingapindi mutemo wemitero kana chikwereti chemubatanidzwa wemukweretesi.
Key Netherlands chaiyo
Iyi mitemo yeDutch inowanzobata vanotenga pamwe chete:
- Nhoroondo yevaridzi vemba yakagovaniswa: Kana mumwe waainaye kare, unogovera nhoroondo iyoyo nemari; izvi zvinokanganisa kubviswa kwechimbadzo chemondi.
- Bijleenregeling: Kutengeswa kusati kwaitwa uye kudzoreredza kunogona kudzikisira kubviswa kwechido kutsva kana kusabatwa uye kunyorwa nemazvo.
Sarudzo dzekuita
Ita sarudzo idzi kumberi uye udzirekodhe:
- Ndiani anoti mhindu (uye yakawanda sei): Batanidza nechikwereti chekugovera uye zita.
- Maitiro ekubata equity yekare: Ronga reinvestment / earmarking yekufambisa iyo bijleenregeling uye humbowo mipiro.
Dambudziko rekudzivisa
Dzivisa kurasikirwa kunodzivirirwa kwekubvisa:
- Kutora "nguva yekutanga" mamiriro: Kufuratira nhoroondo yemuridzi wemba yakagovaniswa kunogona kuderedza zororo.
- Mapepa akasiyana: Draagplichtovereenkomst, deed, uye mari isingaenderane nemataurirwo anoitwa mhindu.
9. Ronga rufu kana kusakwanisa: mawiro, survivorship clause (verblijvingsbeding), uye inishuwarenzi yehupenyu.
Pakutenga imba pamwe chete, rongai rufu kana kusakwanisa. Kana mumwe wenyu akafa kana kutadza kuita chimwe chinhu, mupukunyuki anogona kutarisana nechikwereti chizere uye zita risingazivikanwe. Chengetedza a chido, survivorship clause (verblijvingsbeding), uye term life cover.
Chii ichocho
Zvishandiso zvekuchengetedza nhaka, kodzero dzekugara, uye kubhadhara kwembanje kune anenge asara.
Key Netherlands chaiyo
A cohabitation contract anogona kuwedzera verblijvingsbeding; pfuma yako ichiri kuda wiri. Vapukunyuki vanowanzo sungirwa kuhodha, saka inishuwarenzi yehupenyu inorairwa.
Sarudzo dzekuita
Zita vachabatsirwa, funga verblijvingsbeding, set inishuwarenzi mari / vanobatsirwa, update pension.
Dambudziko rekudzivisa
Kudarika chido, kutora kodzero dze "mutemo wakafanana", kubhadhara mari, kana kupokana nedeed/contract/policy.
10. Bvumiranai chirongwa chekubuda uye chekutenga chekurambana kana shanduko
Hukama, mari, uye zvirongwa zvehupenyu zvinogona kuchinja. Kutenga imba pamwe chete? Usasiye "ko kana tikaparadzana kana mumwe achida kubuda?" nhaurirano gare gare. Chirongwa chekubuda chakanyorwa chinodzivirira kusamira zvakanaka, chinodzivirira madhipoziti nerubatsiro rwemhuri, uye chinokutadzisa kutakura chikwereti cheaimbova shamwari yako nekusingaperi.
Chii ichocho
Mugwagwa wekutaurirana, wakanyorwa wekutengesa kana kutenga kunze. Inogara padivi pechiito chako, cohabitation/(pre)nuptial chibvumirano, uye draagplichtovereenkomst, uye inoisa kukosha, nguva, kubhadhara, kubhadhara, uye ndiani anobhadhara izvo mutengo.
Key Netherlands chaiyo
Co-vatengi vanosaina chikwereti chehomwe vanowanzosungirwa pamwe chete uye vakati wandei - kunyangwe kana kugona kwakavakirwa pane imwe mari. Kutenga kazhinji kunoda mvumo yemukweretesi (kazhinji kuburikidza nerefinance) uye notarial kugadzirisa kune zita. Mari inotengeswa inotevera migove yezvipo uye zvipo zvako zvakarekodhwa / zvikwereti / zvikamu zvekusabatanidzwa.
Sarudzo dzekuita
- Valuation nzira uye mutengo: Kuyera kwakazvimirira (mutero), avhareji kana mishumo miviri yakasiyana, uye nguva yechokwadi.
- Kodzero yekutanga kuramba: Mumwe mudiwa anotanga kutenga mukati menguva yakatarwa.
- Refinance uye kusunungurwa: Mutengi anofanira kuwana mvumo yekumukweretesa kuti asunungure mutengesi kubva pachikwereti chemondi.
- Reimbursement order: Dzosera madhipoziti asina kuenzana uye dzorera zvikwereti zvemhuri usati wapatsanura zvasara zvakaenzana.
- Mitemo yenguva pfupi: Ndiani angagara, anobhadhara mortgage/VvE/inishuwarenzi kusvika pakupera, uye zuva rekutengesa renguva refu kana refinance ikatadza.
- Zvinodhura: Kugovewa kwenotary, valuation, brokerage, uye mari yekubhadhara nekukurumidza.
Dambudziko rekudzivisa
- Hapana mitsara yenguva kana kukosha kwemitemo: Inotungamira kune gridlock uye kukakavara.
- Kugara pachikwereti mushure mekubuda: Mhosva inoenderera pasina mukweretesi kusunungurwa.
- Kufuratira zvipo zvakarekodhwa/zvikwereti: Kusagovera chiyero uye kukonzeresa kusawirirana.
- Kuvimba nezvivimbiso zvemuromo: Kana isina kunyorwa, haina kusimba.
11. Tarisa njodzi dzakanangana nemidziyo: hutano hweVvE, leasehold (erfpacht), uye kuongororwa kwehunyanzvi.
Nyangwe magwaro akakodzera emuridzi haakwanisi kugadzirisa zvinhu zvine njodzi. Apartments anounza VvE realities (akagovaniswa mabhajeti uye mabasa emangwana), akawanda mapurani anogara leasehold (erfpacht) nerendi yevhu nemamiriro ezvinhu, uye zvirema zvakavanzwa zvinogona kushandura mari kugadziridza nekukurumidza. Bata izvi sezvinodiwa zvepamutemo pakutenga imba pamwe chete.
Chii ichocho
Ongororo yakanangana nezvemari nesarudzo dzevaridzi vevaridzi, chero marongero nemitengo yekurenda, uye yakazvimiririra tekinoroji yekuongorora pamusoro pezvimiro kana kugadzirisa njodzi usati wazvipira.
Key Netherlands chaiyo
Kune dzimba, ongorora maminetsi eVvE, mabhajeti, chengetedza mari, zvikwereti, uye mabasa akarongwa. Nezve erfpacht, dzokorora rendi yepasi (canon), indexation, revision/kutenga-out sarudzo, uye kushandisa zvirambidzo. Ongororo yezvivakwa inobatsira mireza mitsvuku (semuenzaniso, makatsemuka, magonhi asina kurongeka, uriri hwakatsetseka).
Sarudzo dzekuita
- VvE zvinyorwa: Ndeipi mishumo yaunoda uye kuti uchapatsanura sei chero yakakosha ongororo.
- Erfpacht strategy: Gamuchira kanoni yazvino kana tsvaga kutenga-kunze; bhajeti chero nzira.
- Inspection scope: Chiyero cheongororo, nguva, uye magadzirirwo kana zvikaitika.
Dambudziko rekudzivisa
- Mari yeVvE isina simba: Yakaderera matura kana mabasa makuru ari pedyo anogona kuwedzera mutengo.
- Leasehold shocks: Kuwedzera kanoni kana mamiriro ekurambidza.
- Kusvetuka ongororo: Makanganiso akavanzika anova dambudziko rako mushure mekupedza.
12. Ronga mainishuwarenzi akakosha uye mamiriro emukweretesi
Inishuwarenzi uye mamiriro ekukweretesa ndiwo anochengetedza anochengetedza kutenga kwako-uye mumwe nemumwe-akachengeteka. Paunenge uchitenga imba pamwe chete, misa chivharo chinodzivirira mupukunyuki uye zadzisa zvinodiwa nebhangi rako nekukurumidza kudzivirira kunonoka kwemaminiti ekupedzisira kune notary.
Chii ichocho
Iyo yakarongeka pasuru yedziviriro (senge inishuwarenzi yehupenyu) pamwe neanokweretesa mamiriro (kukosha, kuenderana kwechiito, mazwi eNHG, zvinyorwa uye nguva dzekupedzisira) izvo zvinofanirwa kunge zviripo zvisati zvapera.
Key Netherlands chaiyo
Kana mumwe wenyu akafa, mumwe wacho ndiye anowanzo konzera chikwereti chese. Ndicho chikonzero inishuwarenzi yehupenyu inokurudzirwa zvakasimba. Vanokweretesa veDutch vanowanzoda chirevo chekuyeresa uye vaenzanise vese vatengi pakutenga uye zviito zvembambi; NHG inogona kuwedzera mamwe mamiriro.
Sarudzo dzekuita
Bvumirana kudzivirira uye maitiro ikozvino, kwete panguva yekushushikana.
- Hupenyu hwekuvhara huwandu / vanobatsirwa: Saizi yekubvisa chikwereti; vanobatsirwa vanoenderana nechiito chako / kondirakiti.
- NHG kana kwete: Simbisa kukodzera uye mamiriro neako chipangamazano.
- Mukweretesi wekutarisa/nguva yakatarwa: Valuation, magwaro, uye misi yekutanga isati yatamiswa.
Dambudziko rekudzivisa
Kutarisisa kudiki kunodhura nekukurumidza.
- Underinsurance kana kutumidza zvisiri izvo vanobatsirwa: Anosiya wasara pachena.
- Kutora imwe-mari = diki chikwereti: Vanokwereta pamwe chete vanoramba vaine mhosva pamwe chete.
- Mazuva ekupedzisira emukweretesi akashaikwa: Kunonoka kukoshesa / mitemo inogona kukanganisa kupera.
13. Kuteerera pfungwa uye kuvanzika: BKR macheki, kugovana data, uye expat zvinyorwa.
Kuteerera uye kuvanzika kunogona kukanganisa kutenga kana ukavasiya kwekupedzisira. VaDutch vanokweretesa uye vanyori vanofanirwa kutarisa kuzivikanwa, nhoroondo yechikwereti, uye kunobva mari; Co-vatengi vanogovana data rakadzama. Gadzirisa zvinotarisirwa kare kuti zvinopihwa zvisarasikirwe nemapepa asipo kana registry mureza.
Chii ichocho
Iwo anosungirwa cheki uye data kubata kutenderedza kiredhiti, chitupa, pekugara, uye mari kana uchitenga imba pamwechete.
Key Netherlands chaiyo
Tarisira aya maDutch cheki:
- BKR cheki chechikwereti kune vese vanonyorera.
- Notary KYC/AML ongororo yekwakabva mari.
- Expat zvinyorwa: pasipoti / ID, BSN, pekugara uye chiratidzo chemari.
Sarudzo dzekuita
- Kuzivisa zvizere: nyora zvikwereti zvese uye mitsetse yechikwereti kumberi.
- Data protocol: bvumirana zvamuchagovera uye kuti zvichachengetwa sei.
Dambudziko rekudzivisa
- Kuvanza zvikwereti: BKR / underwriters vachavawana.
- MaID / zvibvumirano zvakapera kana kusachengeteka kugovera faira.
14. Tevedzera Dutch kutenga nguva: kupa, suspensive clauses, kutonhora-off, notary, uye kunyoresa.
Nguva uye mapepa zvinosarudza kana dhiri yako ichivhara zvakanaka. Paunenge uchitenga imba pamwe chete, mepu kutevedzana kwechiDutch kubva kune yekutanga kupa kune gweta kuendesa kuitira kuti dziviriro yako uye nguva dzemukweretesi dzikwane.
Chii ichocho
Nhanho-nhanho nzira: kupihwa kwakanyorwa, chibvumirano chekutenga chakasainwa chine zvirevo zvinomira, kutonhora kwemutemo, dhipoziti / dhipoziti yebhangi, kuendesa vanyori uye magwaro embanje, wozonyoreswa.
Key Netherlands chaiyo
Gadzira idzi dziviriro muchirongwa chako chenguva.
- Suspensive clauses: mari, kukosha/kuongorora, NHG.
- Kutonhodza-kurudyi: inoshanda kune vatengi vega.
- Notary: anodhirowa/kuita zviito uye anonyoresa muridzi/mortgage.
Sarudzo dzekuita
Isa misi uye mabasa pamberi.
- Mitemo uye mazuva ekupedzisira: hukuru, nguva, humbowo.
- Sarudza notary: batanidza mazita echiito nechikwereti.
- Kupedzisa Logistics: dhipoziti/guarantee, makiyi, handover list.
Dambudziko rekudzivisa
Zvidzivirire pakunonoka kunodzivisika.
- Govera pasina zvirevo: inobvisa nzira dzako dzekubuda nadzo.
- Mazuva ekupedzisira echirevo akapotsa: zvirevo zvinopera zvoga.
- Kuchinja kwemazwi: zvakanyorwa chete, zvakasainwa addenda count.
Matanho ako anotevera
Iwe zvino une zvakakosha zveDutch zvekutenga pamwe chete nechivimbo. Kiya chimiro chako, gadzirisa migove yebasa, chengetedza mari isina kuenzana nezvipo / zvikwereti uye draagplichtovereenkomst, sarudza iyo yakakodzera mortgage/NHG, kuronga zvido uye verblijvingsbeding, uye kuvaka yako yekubuda hurongwa. Simbisa chivakwa (VvE, erfpacht, kuongorora) uye sync mutero, inishuwarenzi, uye nguva.
- Gadzirira zvinyorwa: Unganidza maID, humbowo hwemari, BKR muchidimbu, uye sosi-ye-mari humbowo.
- Sarudza notary yako: Gadzirisa mazita echiito nechikwereti uye nguva.
- Gadzirisa muridzi uye chikwereti: Sarudza mapeji ezita uye kusaina mupiro/matemu emutoro.
- Yakachengeteka mari: Wana pre-mvumo uye wedzera akasimba suspensive clauses.
- Chengetedza anopona: Draft will/survivor and size life insurance.
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