Iyo Ex uye Mortgage: Ndiani Anowana Kuchengeta Imba?

Kurambana kana kurambana kwakaoma zvakakwana pasina chibatiso chakarembera pamusoro pacho. MuNetherlands, varidzi-vamwe vazhinji vane mhosva “pamwe chete uye zvakati wandei”, zvichireva kuti bhangi rinogona kukutsvagira mumwe wako mubhadharo wakazara kudzamara mukweretesi aburitsa zita rimwe chete. Kubuda kunze hakupedzi chikwereti ichocho, uye zvisarudzo zvaunoita zvino zvichakanganisa chikwereti chako, mutero, uye kukwanisa kutenga zvakare. Kana vana vachibatanidzwa, kugadzikana uye nguva zvinowedzera imwe nhanho yekukurumidzira.

Nhau dzakanaka: kune nzira yakajeka kuburikidza. Kunyangwe mumwe mudiwa achichengeta imba, iwe unotengesa, kana iwe ukagara varidzi vako kwenguva yakati, maitiro anotevera matanho anoshanda-kusimbisa kuti iwe ndiwe muridzi wemba uye ndeupi hutongi hwezvivakwa zvewanano hunoshanda, tora kukosha, kuverenga equity (overwaarde) kana kushomeka (restschuld), bvumirana pakutenga kwakanaka, chengetedzo yemvumo yemukweretesi kuti asunungure mumwe mutero, kupatsanurwa uye kubvisirwa mutero. kubviswa, bijleenregeling, NHG). Zvibvumirano zvakanyorwa uye kutevedzana kwakakodzera kunoderedza njodzi uye mutengo.

Iri gwara rinokufambisa iwe nhanho-ne-nhanho kuburikidza nesarudzo dzako uye zvisungo pasi pemutemo weDutch: muridzi uye mutoro, kusarudza nzira (kutenga, kutengesa, kana yenguva pfupi-muridzi), kuverenga manhamba, kugona uye kukweretesa zvinodiwa, zviito zvemutero, mapoinzi emitero, kutonga mukati-kati nguva, chii chaunofanira kuita kana kubatirana kuchiputsika, kuwedzera nyaya dzisina kunaka, NHG pakutsvaga rubatsiro rwemutemo. Ngatitangei.

Danho 1. Simbisa kuti imba yako ndeipi uye kuti ndeupi mutemo wemidziyo yewanano unoshanda

Mumubvunzo we ex-uye-ye-mortgage - ndiani anotora imba - simbisa kuti ndiani ari pagwaro reiti uye ndiani matrimonial property regime inoshanda. Vakaroorana kana vakanyoreswa vakaroorana mushure me1 Jan 2018 vanowira pasi penharaunda shoma yezvivakwa kunze kwekunge chibvumirano chepamberi pemuchato chataura zvimwe; michato yepakutanga kana kuti yokumwe inogona kusiyana. Kana iwe wakaroora kunze kwenyika, mutemo weDutch wekuroora haugone kushanda-kumbira mumiriri wemutemo wehurumende kuti amise hurumende inotonga.

Danho 2. Mepu yemortgage yako, inishuwarenzi, uye zvikwereti (zvakabatana uye akati wandei zvikwereti, NHG)

Usati wasarudza kuti ndiani achachengeta imba, wana mufananidzo wakajeka wezvaunosungirwa kuita iye zvino. MuNetherlands, vanokwereta pamwe chete vanosungirwa "pamwe uye pamwe chete" kudzamara mukweretesi aburitsa zita rimwe chete. Unganidza data rakaoma izvozvi kuitira kuti nhaurirano uye hurukuro dzemukweretesi dzisimbiswe muchokwadi, kwete kufungidzira.

Mortgage Basics: Chiyero chazvino, chiyero chemubereko, zuva rekugumisira, uye mazita ari pagwaro rechikwereti/chikwereti.
Mamiriro emukweretesi: Zvinodiwa nebhangi rako kuti usunungure ex (mubvunzo wemari, zvinyorwa, nguva); kumbira chirevo chazvino uye mazwi ekutanga.
NHG tarisa: Simbisa kana chikwereti chine National Mortgage Guarantee; mune mamwe mamiriro ezvinhu NHG inogona kuregerera chikwereti chasara mushure mekutengesa.
Mainishuwarenzi akabatanidzwa: Ongorora uye gadziridza yenguva inishuwarenzi yehupenyu yakasungirirwa kune mortgage (vabatsiri, muridzi, kuvharwa) kuti ienderane nemamiriro matsva.

Danho 3. Sarudza nzira yako: kutenga, kutengesa, kana kugara varidzi-vamwe kwenguva pfupi

Uine chokwadi chiri mumaoko, sarudza mapinduriro emubvunzo wekare-uye-yemumba—ndiani achachengeta imba—nekuenzanisa zvinodiwa pemba, kuenzana, uye chokwadi chemukweretesi. MuchiDutch maitiro, nzira nhatu dzinofukidza dzinenge nyaya dzese. Iva pragmatic: kudzamara kutora kana kutengesa kwapera, imi mose munoramba makabatana uye muine mhosva, zvisinei kuti ndiani anogara ipapo.

Kutenga/kutora: Mumwe anochengeta imba. Iyo bhangi inoedza kukwanisa uye, kana ikabvumidzwa, inoburitsa imwe kubva pachikwereti kuburikidza neinotarial deed yekupatsanura. Kutenga kunowanzoenderana nechikamu chemudiwa chega chega (overwaarde). Tarisira kukosha, notary, chipangamazano, uye bhangi admini mitengo; ungangoda kuwedzera chikwereti chemari.
Tengesa nzvimbo: Chikwereti chinotanga kubhadharwa; unopatsanura purofiti kana chikwereti chasara (restschuld) maererano nechibvumirano chako. NeNHG, chikwereti chasara chinogona kuregererwa pasi pemamiriro ezvinhu. Varidzi vaviri vanofanira kubvuma; shandisa kuyananisira kana dare kana munhu asingashande.
Kudyidzana kwenguva pfupi: Zvose zvinogara pazita uye chikwereti. Isa zvibvumirano zvakajeka pakugara, kubhadhara, nguva, uye zvinokonzeresa zvekubuda. Izvi zvine njodzi, kazhinji zvinovharira nhanho dzinotevera, uye mukweretesi anogona kuteedzera mumwe wenyu nekuda kwekupotsa kubhadhara.

Nhanho 4. Tora kukosha uye kuverenga equity kana chikwereti (overwaarde kana restchuld)

A defensible value ndiyo hinge kune chero kutenga kana kutengesa. Panhaurirano unogona kutarisa kukosha kweWOZ, asi vanokweretesa nevanyori vanowanzo shanda neazvino ongororo (mutero). Shandisa iyo nhamba uchipesana neazvino chirevo chemukweretesi kuverenga kuti une equity (overwaarde) kana kushomeka (restschuld).

Raira kuongororwa: Komisheni mutero wenguva pfupi yapfuura; shandisa WOZ chete pahurukuro dzekutanga.
Tora nhamba yekubhadhara: Kumbira bhangi razvino remortgage kubva kubhangi rako; imi mose mucharamba muine mhosva kusvikira masunungurwa.
Mhanya nhamba:
- equity (overwaarde) = appraised value – outstanding mortgage
- shortfall (restschuld) = outstanding mortgage – (sale price or appraised value for buyout)
Negative equity: Bvumiranai nzira yekuparadzanisa chero restschuld; neNHG, chikwereti chasara chinogona kuregererwa mushure mekutengesa kana mamiriro akazadzikiswa.
Rekodha: Chengetedza kukosha uye maverengero echibvumirano chako chekugadzirisa uye notary faira.

Nhanho 5. Ronga mari yekutenga uye mazwi ekugadzirisa

Apa ndipo pane "ex uye chikwereti: ndiani anowana kuchengetedza imba?" inova nhamba uye chirongwa. MuchiDutch maitiro, kana mumwe mudiwa akachengeta imba, vanotenga mugove weumwe weiyo equity (overwaarde); apo pane kushomeka (restschuld), unobvumirana kuti ungaigovanisa sei. Nyora temu yega yega kuti usazonetsana.

Baseline calculation: buyout = ex’s share × equity (overwaarde) (kazhinji 50/50 kunze kwekunge prenup / kudyidzana / cohabitation kondirakiti inotaura zvakasiyana).
Negative equity: Bvumiranai kuti mungapatsanura sei chero restschuld; neNHG, chikwereti chakasara chinogona kuregererwa mushure mekutengesa pasi pemamiriro ezvinhu.
Mari uye nguva: Bhadhara kutenga nemari kana kuburikidza nekuwedzera kwechikwereti; gadzirisa kune notary pane deed of division uye batanidza kubhadhara kune mukweretesi kusunungurwa kweanoenda.
Ndiani anobhadhara chii: Govera ongororo, maneja webhangi, chipangamazano, uye notary mitengo; isa zuva rekugara / makiyi uye gadzirisa chero yakabatana term life insurance.

Nhanho 6. Tarisa kugona uye kubvumidzwa kwemukweretesi kuti utumire kana chikwereti chitsva

Pamberi pemunhu achengeta imba, mukweretesi wako anofanira kubvuma kuendesa imba kune rimwe zita kana kupa chikwereti chitsva. Ongororo iyi inoratidzira a fresh mortgage application, uye mari inoraswa mushure mekuparadzana kazhinji inoderedza simba rako rekukwereta. Kusvikira bhangi raburitsa zviri pamutemo mudiwa ari kuenda, imi mose munoramba muri pamwe chete uye mune mhosva dzakawanda. Kana kugona kukadzikira, unogona kuwedzera mudiwa mutsva kuchiito - cherechedza kuti iwe unobva wabatanidzwa pamwe chete.

Zvinoongororwa nevakweretesi: Kukwereta uye mari yekutakura chikwereti chakazara chete.
Zvinyorwa zvinokosha: Chibvumirano chekurambana/kuparadzana, chiziviso chemushandirwi, chirevo chegore razvino, uye chirevo chezvino chemo.
Valuation: Kuongororwa kwazvino (mutero) kune humbowo kukosha kwemusika uye kuenzana.
NHG chimiro: Kana zvichibvira, simbisa mamiriro; inogona kukosha kune kushomeka kwezviitiko.
Zvingangoitika: Mvumo nekuburitsa kuburikidza neanotarial deed of division-kana kuramba, mune iyo nyaya tengesa kana kuramba varidzi venguva pfupi vane mazwi akajeka.

Danho rechinomwe. Nyora zvibvumirano mukunyora (chibvumirano chekurambana kana chibvumirano chekuparadzana)

Isa dhiri yese pabepa. Vanokweretesa uye vanyori vanovimba neyakasainwa chibvumirano chekurambana kana chibvumirano chekuparadzanisa paunenge uchiongorora kutorwa kwemondi uye kusunungurwa. Kuinyora kunoenderana nezvinotarisirwa, kunopa bhangi rako hwaro hwakajeka, uye kunobatsira kudzivirira kusawirirana kunodhura gare gare.

Mhinduro: anochengeta imba kana kutengesa.
Terms: buyout/overwaarde kana restschuld split; zuva rekubhadhara; anobhadhara chikwereti chemba / inishuwarenzi / zvishandiso / kuchengetedza; kugara/makiyi; mari (valuation, notary); kupindirana/default clause ine mazuva ekupedzisira.

Nhanho 8. Kuendesa muridzi: kuburitswa kwemubatanidzwa mutoro uye deed of division pane notary

Kana mukweretesi wako angobvuma kuburitsa zita rimwe chete, kuchinjisa kunoitika kune wehurumende-mutemo notary. Mucherechedzi anonyora gwaro rekuparadzanisa uye, kana zvichidikanwa, nyowani kana yakagadziridzwa mortgage deed. Kusaina magwaro aya ese marekodhi anowana imba uye, zvakanyanya, anoronga kuburitswa kwemubatanidzwa uye akati wandei mutoro uchigadziridza kunyoreswa kwechikwereti chemba.

Zvinodiwa: Mvumo yemukweretesi uye chibvumirano chako chakasainwa chekurambana / kupatsanurwa nekutenga uye kupatsanurwa kwemutengo.
Kusaina: Deed of divisheni; pamwe nenyowani / yakawedzera renji deed kana uchipa mari kutenga. Mudiwa mutsva anosaina uye anova nemhosva pamwe chete.
Kugadzirisa: Notary inogadzirisa kutenga uye mari yakabvumiranwa pakupedza.
Migumisiro: Mushure mekuita notarization uye kusunungurwa kwemukweretesi, mudiwa ari kuenda akabvisa chikwereti; mumwe asara ndiye ane mhosva kubva pazuva iroro.

Nhanho 9. Bata mitero uye mabhenefiti (kubvisa mubereko, bijleenregeling, chikwereti chasara)

Mitero inogona kushandura mhinduro kune "yekare uye yemondi: ndiani anowana kuchengeta imba?" mukuda kwenyu—kana kwete. Ronga nekukurumidza kuitira kuti kutenga, kutengesa, kana kutora kurege kukanganisa kubviswa kwechimbadzo chako kana kukusiya uine zvinoshamisa paunotenga zvakare.

Kubviswa kwechimbadzo chembavha (eigenwoning): Izvo zvinoshanda kune yako wega yekutenga chikwereti chikwereti. Chikwereti ichi ndechemunhu uye hachichinjike; chero chikamu "chitsva" mushure mekutora chinofanira kunge chiri annuity/linear kuchengetedza kubviswa (post-2013 mitemo).
Bijleenregeling (uchishandisa equity): Kana ukatengesa ne overwaarde uye wozotenga, ukatadza kudzoreredza iyo equity inogona kudzikisira kubviswa mubereko mune ramangwana. Document equity uye izvo mumwe nemumwe anogamuchira.
Chikwereti chasara (restschuld): Kana mari inotengeswa ikasavhara chikwereti, munenge makabatana. NeNHG, zvakasara zvinogona kuregererwa pasi pemamiriro ezvinhu; zvikasadaro, kurukurai mabatirwo emutero nekubhadhara nemupi wemazano wezvemari.
Chengeta humbowo: Chengetedza kuongororwa, zvirevo zvemukweretesi, uye chibvumirano chekugadzirisa; uchazvida kuti udzorere mutero wako uye kuti usimbise zvichemo zvekubvisirwa mubereko.

Nhanho 10. Tonga iyo-pakati penguva (kubhadhara, kugara, uye njodzi)

Kusvikira mukweretesi asiya uye mucherechedzi anyora deed of division, imi mose munoramba makabatana uye muine mhosva. Bata iyo yenguva sepurojekiti: dzivirira kupotsa kubhadhara, dzivirira kupokana kutsva, uye chengetedza iyo asset yauri kuda kutengesa kana kutamisa. Isa mitemo mipfupi, inoshanda papepa uye namatira pairi.

Payments: Ndiani anobhadhara imba yemba, inishuwarenzi, mitero, zvokushandisa, uye kugadzirisa—nenguva ipi.
Kugara/makiyi: Ndiani anogara ikoko, mitemo yekuwana, maonero (kana achitengesa), uye zuva rakajeka rekubuda.
Sarudzo: Hapana mari huru kana shanduko yemutengo (kana uchitengesa) pasina mvumo yakanyorwa.
Risk control: Chengetedza inishuwarenzi inoshanda, kuverenga mita / kuremara, uye kutaurirana nekunyora kutevedzera zvibvumirano.

Danho 11. Kana kubatana kukaparara, shandisa kuyananisira kana sarudzo dzedare

Kana nhaurirano dzikamira, itai musati matadza kubhadhara kukuvadza mese. Tanga nekuyananisa kushandura manhamba (valuation, equity, payments) kuita zvisungo zvakajeka pakutengesa kana kutenga, kugara, mazuva ekupedzisira, uye chirongwa chekudzokera shure. Kana izvo zvikasabudirira, wedzera nematanho emutemo akatariswa.

Kuyananisa kutanga: Inokurumidza, yakachipa, uye inokuchengetedza iwe kutonga; nyora zvibvumirano zvose.
Mvumo yedare yekutengesa: Kana ex wako akasashanda pamwe chete, gweta rinogona kukumbira dare mvumo yekutengesa pasina mvumo yavo.
Dzivirira chikwereti chako: Kusvikira kutora kana kutengesa kwapera, munoramba makabatana uye muine mhosva yakawanda; chengetedza kubhadhara ikozvino.

Nhanho 12. Mamiriro akasarudzika: NHG, kusaenzana, kana kuwedzera mudiwa mutsva

Dzimwe nyaya dzemupendero dzinogona kusarudza "yekare uye remba: ndiani achachengeta imba?" kupfuura zvimwe zvose. Tarisa nekukurumidza kana NHG ichishanda, kana wakatarisana neiyo yakaipa equity, uye kana mudiwa mutsva achajoinha imba yemba. Imwe neimwe ine yakasarudzika mukweretesi, gweta, uye kugadzirisa zvinorehwa-zvironge usati wataurirana nezvekutenga.

NHG (Nationale Hypotheek Garantie): Simbisa kuvharwa. Kana kutengesa kuchisiya chikwereti chasara, NHG inogona kuchikanganwira pasi pemamiriro ezvinhu; chengetedza mari yekubhadhara ikozvino kusvika yagadziriswa.
Negative equity (restschuld): Bvumiranai kupatsanurwa kwakaenzana kwekushomeka. Kana mumwe akagara, nyora kuti waaenda naye anogadzirisa sei mugove wake weushoma.
Kuwedzera mudiwa mutsva: Vanosaina chibvumirano chemortgage uye vanova nemhosva pamwe chete. Bhangi rinoongorora zvakare kukwanisa; the notary inovandudza zita uye zviito zvemortgage.

Nhanho 13. Nguva yakatarwa, mari, uye zvinyorwa zvauchazoda

Tarisira chiitiko chinoshanda, chakarongwa: kukosha, sarudzo yemukweretesi, uye kupedzisa kwemunyori. Chengetedza mari yekubhadhara iripo mukati mese kuchengetedza mafaera ese echikwereti. Muzviitiko zviri nyore, kuronga zvinhu zvose kunowanzotora mwedzi miviri; mari yakaoma, kusaenzana, kana kusabatana kunogona kuwedzera izvi.

Yakajairika nguva: Kuongorora uye faira prep → kuongororwa kwemukweretesi uye sarudzo yekuburitsa → kusaina notary (deed of division uye chero nyowani nyowani). Kazhinji inopedzwa mumwedzi ± 2, asi inosiyana zvichienderana.
Mari yakajairika:
- Valuation (mutero)
- Mari yekutonga kwebhangi (kusunungurwa/remortgage)
- Notary (deed of division; mortgage deed kana zvichidiwa)
- Advisor fees (mortgage/mari)
- Opsioneel: kupindirana / zviri pamutemo kana kubatana kukatadza
Zvinyorwa zvinokosha:
- Kurambana/kuparadzana chibvumirano uye mazwi ekugovanisa asset
- Yazvino mortgage statement/matemu
- Uchapupu hwemari (chiziviso chemushandi uye / kana chirevo chegore)
- Recent valuation report (mutero)
- NHG kusimbisa (kana zvichiita)

Nhanho 14. Nguva yekuwana rubatsiro rwemutemo muNetherlands

Tora gweta reDutch kana kubatirana kwadonha kana matanda akakwira. Zvimwe zvinokonzeresa: kusawirirana nezve buyout/overwaarde or restschuld, kuramba kutengesa kana kusaina mapepa emukweretesi/notary, hurongwa hwakaoma (prenup, marriage yekunze), gakava pamusoro pekuti ndiani angagara pamba, NHG/negative-equity issues, kana kutadza kubhadhara nekukurumidza. Gweta rinogona kuita zviri pamutemo zvitemo, kutsvaga mvumo yedare yekutengesa kana kuseta mazuva ekupedzisira, uye kukudzivirira kubva panjodzi dzakabatana-uye-dzakawanda.

Key tora kutora

Ndiani anochengeta imba inodzika kusvika kune mana: muridzi wako / hutongi hwewanano, iyo equity math, kukwanisa kwemukweretesi, uye kubatana. Kusvikira bhangi raburitsa zita rimwe chete, zvese zvinoramba zvakabatana uye zvine mhosva. Kutevedzana kwakajeka-kukosha, zvirevo zvekugadzirisa, kubvumidzwa kwemukweretesi, notary-inodzivirira chikwereti chako uye chinzvimbo chemutero.

Simbisa chimiro chemutemo: Title deed uye matrimonial regime (kuroora/kunyoreswa kudyidzana/prenup/kuroora kwekunze).
Mepu njodzi uye kavha: Mortgage chokwadi, mubatanidzwa mutoro, yakabatana inishuwarenzi, uye NHG chimiro.
Sarudza nzira: Kutenga, kutengesa, kana kuva muridzi wenguva pfupi-zvichibva pakuongorora kwazvino uye overwaarde/restschuld.
Pepa pakutanga: Isa mazwi muchibvumirano chakasainwa; wobva wachengetedza mvumo yeanokweretesa uye wopa gwaro redhipatimendi remunyori kuti abvise mhosva.
Tarisa mutero: Kubvisa mhindu ndekwemunhu; funga bijleenregeling uye NHG mitemo pane zvakasara chikwereti.
Kana yakamira: Shandisa kupindirana kana dare; chengetedza kubhadhara ikozvino. Nguva yakatarwa ndeye mwedzi miviri.

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