Chibvumirano chemupiro (draagplichtovereenkomst) chinodzora hukama huripo pakati pako newawaimbova mudiwa wako: uyo pakupedzisira anobhadhara mari yemba, mubereko, kudzoserwa kwemari nezvimwe. Hazvikusununguri kubva pazvisungo zvako kubhangi. Bhangi chete ndiro rinogona kukusunungura kubva pamhosva dzakabatana uye dzakawanda.
Sei uchiramba uine mhosva yekubhadhara chikwereti chemba?
Kana muri pamwe chete uye muri mumwe nemumwe ane mhosva (hoofdelijk aansprakelijk) zvinoenderana nechibvumirano chechikwereti uye magwaro emortgage. Kana muri pamwe chete uye muri mumwe nemumwe ane mhosva, bhangi rinogona kukumbira mari yese kubva kune mumwe nemumwe wenyu (Chikamu 6:7 Dutch Civil Code).
Kurambana hakuchinje izvi. Mushure mekunge mubatanidzwa wezvinhu wapera, mumwe nemumwe wevaimbova muwanano anoramba aine mutoro wezvikwereti zvemunharaunda zvaaitove nazvo (Chikamu 1:102 Dutch Civil Code). Kunyangwe ukatama uye waimbova muwanano wako akagara mumba, bhangi rinogona kuramba richikutora mutoro.
Musiyano uripo pakati pemutoro nemupiro ndeupi?
Mutoro wechikwereti unoenderana nekuti bhangi rinogona kukumbira mari kubva kuna ani. Mupiro (draagplicht) unoenderana nekuti ndiani anofanira kutakura chikwereti pakati penyu mese.
Bato rega rega rine chikamu chechikwereti chinomubata muhukama hwemukati (Chikamu 6:10 Dutch Civil Code). Kana ukabhadhara mari inopfuura chikamu chako, unogona kutaura kuti mari yacho yakawandisa kubva kune wawaimbova naye. Mari yacho inoenderana nemamiriro ezvinhu. Zvinhu zvine chekuita nazvo zvinosanganisira chibvumirano chepamberi pewanano kana chibvumirano chekugara pamwe chete, kubhadhara kwekutanga, kuti ndiani anogara mumba uye kunzwisisa uye kururamisira. Kune zvikwereti zvemunharaunda zvevaimbova vakaroorana, Chinyorwa 1:100 Dutch Civil Code chinoshandawo, nezvikamu zvakaenzana senzvimbo yekutanga.
Ndiani anobhadhara chikwereti chemba kana mumwe wenyu akagara mumba?
Izvozvo hazvina kugadziriswa. Kana mumwe wevaimbova mudiwa achigara mumba, hazvirevi kuti anofanira kubhadhara mari yese yemba.
Dare rinotarisa basa, mabhenefiti ekushandisa, chero muripo webasa, marongero ekubhadhara nezvimwe zvinhu pamwe chete. Mu ECLI:NL:GHSHE:2022:2018 Dare Repamusoro re's-Hertogenbosch rakaita kuti mukadzi uyu atore mubereko wese wechikwereti chemba nekuti aigara mumba ari ega uye haana kubhadhara muripo webasa. Mu ECLI:NL:RBDHA:2025:21478 , zvakasiyana, Dare Redunhu reThe Hague rakarayira mukadzi uyu, uyo aigara mumba uye aine chikwereti chebasa, kuti abhadhare hafu yemubereko nemari yaakabhadhara murume. Mu ECLI:NL:RBNHO:2026:6975 uye ECLI:NL:RBAMS:2026:3875 vaimbova vakaroorana vakabhadhara hafu yemubereko, asi muripo webasa wakabhadharwa pamari yemuridzi.
Chii chaunonyora muchibvumirano chemupiro?
Nyorai kuti chikwereti chipi uye kuti ndechipi chinofukidza chibvumirano chacho, uye kuti chikamu chimwe nechimwe chinobhadhara kubva pazuva ripi. Bvumiranaiwo kuti mubereko, mari yekubhadhara, inishuwarenzi nemari yemuridzi zvinogoverwa sei, uye kana muripo uchikonzera kuti chikumbiro chekudzoserwa mari chibude.
Isawo nguva yekupedzisira iyo kusunungurwa kubva kumhosva dzekubatana uye dzakawanda kunofanirwa kurongwa, uye chii chinoitika kana izvozvo zvikakundikana. Chibvumirano chemupiro chinogona kubatanidzwa mukugadzirisa kurambana (echtscheidingsconvenant), gwaro redhisheni kana chibvumirano chemupiro chakasiyana.
Chibvumirano chemupiro chinokudzivirira kubva kubhangi here?
Kwete. Bhangi harisi bato muchibvumirano uye harisungirwe nacho.
Zvisinei, chibvumirano chinogona kusarudza kuti ndiani anotakura mari yacho uye kuti ndiani anofanira kuripira mumwe. Kana waimbova mudiwa wako akasabhadhara, bhangi rinogona kukumbira mari kubva kwauri, uye mari yawakabhadhara inogona kukanganisa chiyero chako chechikwereti, kusanganisira kunyoresa kwako neDutch credit registration bureau (BKR). Unobva wava nechikumbiro pamusoro pewaimbova mudiwa wako, asi chikumbiro ichocho chinobatsira chete kana waimbova mudiwa wako akakwanisa kubhadhara.
Unosunungurwa sei kubva mumhosva dzekubatana nedzimwe dzakawanda?
Chibvumirano chakasiyana nebhangi chete ndicho chinogona kukusunungura kubva pamhosva dzakabatana uye dzakawanda. Kugadzirisa nyaya yekurambana hakugone kumanikidza bhangi kuita izvozvo.
Munyaya yakatarisana neDare reDunhu reLimburg, kugoverwa kwemba pasi pechibvumirano chekurambana kwaitsamira pakubvumira kwebhangi kusunungurwa ( ECLI:NL:RBLIM:2024:536 ). Kana izvozvo zvikasaitika, dare rakapa imba zvakare zvichienderana nemamiriro ezvinhu uye rakaraira kutengeswa kana bhangi rikaramba richiramba. Dare rakatora nzira yakafanana munyaya iyoyo uye muna ECLI:NL:RBDHA:2025:23505 na ECLI:NL:RBZWB:2026:5178 . Rakaita kuti kutorwa kwemba kuve nechisungo chemari kubva kumudiwa anoitora, kutamiswa kwechikwereti chemba uye kusunungurwa kwemumwe mudiwa. Rakaisawo nguva yekupedzisira, nekutengesa kana kutorwa kwemba kusina kubudirira nenguva. Aya aive marongero muzviitiko zvega zvega, kwete mhedzisiro yechibvumirano chemupiro. Nyorera kusunungurwa nekukurumidza sezvinobvira. Kuti uwane sarudzo dzeimba pachayo, dzakadai sekutengesa kana kutenga waimbova mudiwa wako, ona chinyorwa chedu pamusoro pewaimbova mudiwa wako nechikwereti chemba.
Unozvidzivirira sei semunhu anotama?
Isa zuva rekupedzisira rekusunungurwa kubva kumhosva dzekubatana pamwe chete uye zvimwe zvinhu zvakawanda, uye bvumiranai kuti imba yacho ichatengeswa kana zuva iroro rikasazadzikiswa.
Kurukuraiwo kana paine imwe chengetedzo inokwanisika, senge kodzero yechipiri yechikwereti chemba kana imwe chengetedzo. Kana ichigona kugadzirwa, chinzvimbo chayo uye kushanda kwayo zvinofanirwa kuongororwa zvakasiyana. Gweta rekurambana rinogona kunyora gadziriro idzi mubvumirano yenyu yekurambana kana gwaro rekupatsanurana. Kune mimwe mibvunzo nezvekurambana, vana nemidziyo muNetherlands, ona peji redu remutemo wemhuri.
pfupiso
- Kana muri pamwe chete uye muri mega muri vaviri, zvinotevera chibvumirano chechikwereti; kurambana hakuchinje izvozvo.
- Chibvumirano chemupiro chinongotonga chete kuti ndiani anotakura mari pakati penyu mese.
- Kana mumwe wevaimbova mudiwa achigara mumba, hazvirevi kuti ndiye anotakura mari yese; dare rinoongorora mamiriro ese ezvinhu.
- Bhangi chete ndiro rinogona kukusunungura kubva pamhosva dzakabatana uye dzakawanda.
- Nguva yakatarwa yekusunungurwa, chibvumirano chekutengesa uye pamwe chekuwedzera kuchengetedzeka zvinodzivirira mumwe munhu anotama.
Mibvunzo inowanzobvunzwa
Chibvumirano chemupiro chinosungirwa here?
Kwete. Zvisinei, pasina chibvumirano chakanyorwa, zvakaoma kuziva kuti ndiani aifanira kutora chikamu chipi.
Chibvumirano chemupiro chinogona kufukidzawo zvimwe zvikwereti here?
Ehe. Chikwereti chemunhu, chikwereti chemotokari kana overdraft paaccount yekubatana zvinogonawo kubatanidzwa.
Aimbova mudiwa wangu haasi kubhadhara chikwereti chemba. Ndingaitei?
Bata bhangi nekukasika. Kana ukabhadhara wega, chengeta humbowo hwekubhadhara uye nyora kuti wabhadhara marii pachikwereti chakabatana. Kuti unogona kudzosa mari yacho yese zvinoenderana nemupiro wemukati, marongero uye kuti waimbova mudiwa wako anogona kubhadhara here. Munyaya yekuchengeta vana nezvikwereti zvakabatana ( ECLI:NL:HR:2026:1219 ), Dare Repamusorosoro reDutch rakatonga kuti dare harifanirwe kufunga, pasina kunzwa mativi ese ari maviri panyaya iyi, kuti muripo wakaitwa panzvimbo yemumwe uye nekudaro haripi kodzero yekutsiva.
Nhanho inotevera
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