Musha wemhuri unowanzova chinhu chakakosha pamanzwiro uye mune zvemari pakurambana. Ndipo pairangarirwa zvinhu, vana vakakura, uye hupenyu hwaivaka pamwe chete. Asi kana muchato wapera, nzvimbo iyi inokosheswa inova nzvimbo yakaoma yekurwisana pamutemo inosanganisira kodzero dzemuridzi, chikwereti chechikwereti chemba, kuronga kushandiswa kwenguva pfupi, kupindira kwedare, uye kutengeswa kwechisimba.
Mubvunzo wekuti ndiani anogara uye ndiani anobva hausi wemanzwiro chete kana kururamisira—unotongwa nehurongwa hwetsika hweDutch. mutemo mitemo inoenzanisa kodzero dzepfuma, zvido zvemhuri, uye mamiriro ezvinhu emari. Kune vazhinji vakaroorana vanorambana, kutevera mitemo iyi kunonzwa kwakaoma. Kune nyanzvi dzinovapa mazano—vamiririri, vanyori vematare, vapi vemazano emari—kugara vachiziva nyaya dziri kuchinja. mutemo inokosha.
Gwaro iri rakazara rinokuratidzai pamutemo wese unodzora imba yemhuri panguva yekurambana uye mushure mekurambana. Tichaongorora mamiriro ekuva muridzi wemba pasi pemutemo wepfuma yewanano, kodzero yekuramba uchishandisa kwemwedzi mitanhatu, matanho echinguvana panguva yekutongwa kwenyaya, maitiro ekutenga imba, nzira dzekutengesa nechisimba, mutoro wechikwereti chemba, kugoverwa kwemari kana kuti negative equity, uye shanduko dzichangobva kuitika mumutemo wenyaya. Funga nezveiyi nzira yako kuburikidza neimwe yenzvimbo dzakaoma zvikuru dzekurambana.
Mutemo weKuva Muridzi nePfuma yeMuchato: Nheyo
Usati wasarudza kuti ndiani anogona kugara mumba, unofanira kutanga wanzwisisa kuti ndiani muridzi wemba. Pasi pemutemo weDutch, muridzi ndiye anosarudza kodzero—asi hazvisi nyore nguva dzose.
Kubatana kwepfuma (gemeenschap van goederen) ndiyo nzira yepamutemo yepfuma yemuchato muNetherlands. Kunze kwekunge masaina chibvumirano chemuchato usati waroorana, zvese zvakawanikwa panguva yemuchato—kusanganisira imba yemhuri—ndezvevakaroorana vese zvakaenzana, zvisinei nekuti zita raani riri pagwaro remutemo. Izvi zvinoreva kuti vaviri ava vane kodzero dzakaenzana dzepfuma uye vane simba rekutaura zvinoenderana nezvinoitika papfuma.
Kana uine chibvumirano chekuroorana, kuva muridzi wemba kunoenderana nezviri muchibvumirano. Zvirongwa zvakajairika zvinosanganisira kupatsanurwa kwemidziyo, apo mumwe nemumwe anoramba ari muridzi wezvaakatenga ega ega, kana kuti akagadzirisa kudyidzana kwemidziyo isina zvimwe zvinhu.
Vakaroorana vakanyoreswa vanotevedzera mitemo yakafanana neyekuroorana, vachipa mubatanidzwa wepfuma sechibvumirano chekusawirirana kunze kwekunge vakaroorana vaita chibvumirano chekudyidzana chinotaura zvakasiyana.
Heino pfungwa inokosha: kunyangwe kana mumwe wevakaroorana ari iye muridzi wega wepamutemo, havangomanikidze mumwe kuti abve vasina kubatanidzwa nedare. Mutemo wemhuri wekuDutch unoona kuti imba yemhuri inobatsira zvinhu zvikuru kupfuura kodzero dzepfuma chete—kunyanya kana paine vana. Mutemo uyu unopa nzira dzakawanda dzekudzivirira kodzero yemurume kana mukadzi asiri muridzi weimba, kwenguva pfupi.
Maumbirwo emuridzi waunawo ndiwo achaumba sarudzo yega yega pamusoro peimba: kuti ndiani anogona kukumbira kushandiswa kwega, maverengerwo ekutenga imba anoshanda sei, uye kuti mari inobva mukutengesa inogovaniswa sei. Usati watora matanho, tora kopi yechitupa chako chemuchato kana kunyoreswa kwehukama, chero chibvumirano chepamberi pewanano, uye gwaro repfuma kuti uzive mamiriro chaiwo emuridzi.
Kushandiswa Kwenguva Pfupi: Chinyorwa 1:165 cheDutch Civil Code
Imwe yenzira dzakakosha dzekudzivirira mumutemo wekurambana wekuNetherlands ndeye zesmaandenrecht (yekurudyi kwemwedzi mitanhatu) yakanyorwa muchikamu 1:165 cheDutch Civil Code (Burgerlijk Wetboek). Chisungo ichi chinobvumira mumwe wevakamboroorana naye kukumbira kuti imba yemhuri irambe ichishandiswa chete kwemwedzi mitanhatu mushure mekunge kurambana kwanyoreswa zviri pamutemo, zvisinei nekuti ndiani muridzi weimba yacho.
Ndiani anogona kukumbira? Munhu aimbova mukadzi/murume anogona kuendesa chikumbiro ichi kudare, vangave vari muridzi, vari muridzi pamwe chete, kana kuti vasina kana chekuita nekuva muridzi zvachose. Mwedzi mitanhatu inotanga kubva pazuva rakanyoreswa gwaro rekurambana mubazi rezvemitemo.
Kudyidzana nemarii? Mutemo unoda kuti kushandiswa kwenguva refu kubvumidzwe "tegen een redelijke vergoeding" (kuti pave nemari yakakodzera). Izvi zvinoreva kuti munhu anogara mumba anofanira kubhadhara mari yekushandisa kune mumwe munhu. Matare anowanzo kuverenga izvi zvichienderana nehuwandu hwemari yekurenda imba pamusika, kunyange zvazvo vanogona kuigadzirisa zvichienderana nekuti ndiani ari kubhadhara mortgage uye mimwe mari yekutakura.
Dare rinoongorora sei zvido zvinokwikwidzana? Mutongi anofanira kuita bvunzo yekuyera nekungwarira mamiriro ese akakodzera. Kugadzikana uye kuramba kwevana ndizvo zvinowanzova chinhu chikuru. Matare anoziva kuti kurambana kwatokanganisa hupenyu hwevana zvakanyanya—kuvamanikidza kutama nekukurumidza kunowedzera kushushikana. Kana mubereki mumwe chete ari iye anotarisira vana uye vana vachigara nemubereki iyeye nguva zhinji, matare anotsigira zvakasimba kuti mubereki iyeye arambe achishandisa imba.
Kuwanikwa kwedzimba dzakasiyana kunokosha zvikuru. Murume/mukadzi ari kuenda anogona kugara nemhuri yake here, kurenda pekugara pamutengo unokwanisika, kana kuti atove nedzimba dzakasiyana here? Kugona kwemari kwemativi ese kunosanganisirawo ongororo iyi—matare haazobvumidze kushandiswa kwemari chete kana zvikakonzera matambudziko emari kune mumwe murume/mukadzi ari kusara.
Kodzero yemwedzi mitanhatu ndeyenguva pfupi—yakagadzirirwa kupa mukana wekuzorora ukuwo mapato achironga gadziriro dzechigarire, kwete kufanosarudza mhedzisiro yekupedzisira.
Matanho Echinguvana Munguva Yenyaya: Chinyorwa 822 cheMutemo weMaitiro Evanhu
Kunyange hazvo nyaya dzekurambana dzichiri kuenderera mberi—zvinogona kutora mwedzi yakawanda—vakaroorana vanowanzoda kugadziriswa nekukasika panyaya dzekugara. Chinyorwa 822 cheDutch Code of Civil Procedure (Wetboek van Burgerlijke Rechtsvorordering) chinopa matare simba rekupa matanho ekugadzirisa nyaya dzinonetsa panguva yekurambana, kusanganisira kushandisa imba yemhuri chete.
Chero mukadzi kana mukadzi anogona kukumbira kuti pave nechikumbiro chekurambana kana kuti kuburikidza nechikumbiro chakasiyana panguva yekutongwa kwenyaya. Matare anoshandisa bvunzo imwecheteyo inoshandiswa pachikamu 1:165 yekodzero yemwedzi mitanhatu, achiongorora zvido zvevana, dzimwe nzira dzekugara, kugona kwemari, uye mamiriro ese akakodzera.
Matare eDutch ari kuramba achiona kuti mamwe mamiriro ezvinhu ane dambudziko guru risingade humbowo hwakawanda. Kusawirirana mudzimba kana mamiriro asina kuchengetedzeka zvinongoerekana zvaita seizvi. Kana paine humbowo hwemhirizhonga yemuviri, kutyisidzira, kushungurudzwa kwepfungwa, kana kushushikana kwakanyanya zvekuti kuramba muchigara pamwe chete kwave kusasimba, matare anobvumira kushandiswa kwacho chete nekukurumidza.
Chiyero chenguva pfupi chinobvumidza kushandiswa kwemhuri chete chinowanzo sanganisira kusarudza kuti ndeupi mukadzi anofanira kusiya imba, nguva yekupedzisira yekubva, kusarudzwa kwemari yekushandisa inofanira kubhadharwa nemukadzi asara, uye kugoverwa kwemutoro wemari yekugara. Marongero aya enguva pfupi haafanotaurwi mhedzisiro yekupedzisira—ndeenguva pfupi. Zvisinei, mukuita, mukadzi anopiwa kushandiswa kwenguva pfupi chete anowanzo chengetedza chinzvimbo ichocho kusvika pakugadzirisa kwekupedzisira, kunyanya kana vana vabatanidzwa uye kugadzikana kwasimbiswa.
Kutenga: Kana Mumwe Mudiwa Atora Musha
Kazhinji mhinduro yakanaka ndeyekuti mumwe wevaimbova mudzimai/murume atenge mugove wemumwe, zvichibvumira mumwe munhu kuchengetedza imba ukuwo mumwe achiwana chikamu chake chemari. Kunyange zvazvo zviri nyore, kutenga zvinhu zvevamwe kunosanganisira matanho akati wandei akaomarara.
Kuyera mutengo wemba kunotanga. Mapato ese ari maviri anofanira kubvumirana pamutengo wemba pari zvino, zviri nani kuburikidza nekuongorora kwehunyanzvi (taxatierapport) kubva kune nyanzvi yekuongorora dzimba. Mutengo wakayerwa uchibvisa chikwereti chemba chiripo wakaenzana nemutengo wemari inofanira kugoverwa.
Kutamisirwa kwemortgage kune dambudziko guru. Mudzimai anotenga anofanira kukodzera kuwana mortgage muzita rake chete inokwana kubhadhara mortgage iripo uye kubhadhara mudzimai ari kutengesa mugove wake we equity. Kusunungurwa kubva pamutoro wejoint liability (kusunungurwa kubva pamutoro wejoint liability) kwakakosha kune mudzimai ari kuenda—kusvika zvabvumidzwa zviri pamutemo nemukweretesi wemortgage, vese vaimbova vakaroorana vanoramba vari pamwe chete uye vari vega vane mutoro wechikwereti chose chemortgage.
Kana mvumo yechikwereti yawanikwa, mapato ese ari maviri anoisa gwaro rekuchinjisa (leveringsakte) pamberi pegweta remutemo wehurumende, vachitamisa muridzi kubva kune vaviri vaviri vakaroorana kuenda kune mumwe mukadzi anotenga ega uye vonyora mubazi rezvevhu revanhu (Kadaster).
Kana mudiwa wekutenga asingakodzeri kuwana mari yechikwereti chemba yega—inowanzoitwa mushure mekurambana, apo mari imwe chete yava kufanira kubhadhara mari yaimbotsigirwa nevanhu vaviri—nzira dzinogona kushandiswa dzinosanganisira zvikwereti zvemhuri, mumwe munhu anokwereta pamwe chete, kana kuti anononoka kutenga imba. Mitemo yematare edzimhosva yazvino inosimbisa kuti matare haazoregi kutenga imba kana zvisiri zvechokwadi mune zvemari.
Kutengesa Nechisimba uye Mvumo Yedare: Zvinyorwa 3:174 na3:178 zveDutch Civil Code
Kana kutenga zvinhu zvikasaita kana mumwe wevakaroorana akaramba kushandira pamwe chete nekutengesa, mutemo weDutch unopa nzira dzakajeka dzekumanikidza kuti maitiro acho aenderere mberi. Chinyorwa 3:178 BW chinosimbisa kuti chero muridzi wemba anogona chero nguva kukumbira kugoverwa kwepfuma yevari pamwe chete, nepo Chinyorwa 3:174 BW chinopa mvumo kumatare edzimhosva kuti ape mvumo yekutengesa kana mumwe muridzi wemba akaramba kushandira pamwe chete.
MaDwangsommen (mari yechirango) anowanzo kumbirwa pamwe chete nemvumo. Matare anogona kuraira kuti kana murume kana mukadzi asingabatanidzi muchato akaramba achiramba kushandira pamwe chete, anofanira kubhadhara chirango chemari pazuva rega rega kana vhiki yekuramba achivharirwa.
Zvikuru, pasi pechinyorwa 3:300 BW, matare anogona kupa mvumo yekusaina chibvumirano chemutemo — mutongo unotsiva zviri pamutemo siginecha yemunhu ari kuramba pamagwaro anodiwa. Izvi zvinoreva kuti murume kana mukadzi ari kushanda pamwe chete anogona kuenderera mberi nekugadza mumiriri wezvivakwa, kugamuchira zvinopihwa, uye kutamisa muridzi weimba kumutengi pasina mvumo chaiyo yemumwe.
Mitemo yematare edzimhosva yazvino inoratidza kuti matare ari kuramba achida kugamuchira zvikumbiro izvi. Vatongi vanoziva kuti kubvumira bato rimwe chete kuti rivhare kutengeswa kwenguva isingaperi kunokonzera mamiriro ezvinhu asingatenderwi, kunyanya kana muripo wemba uchiramba uchiwanda. Matare anoona kuramba kwenguva refu kushandira pamwe, pasina zvikonzero, sekushandiswa zvisina kunaka kwekodzero.
Kubhadhara mari yekubatsira (kubhadharisa mari) kunogonawo kukumbirwa kana paine kuvharirwa kwemaune. Matare akapa muripo wakakura munyaya dzine chekuita nekusashanda pamwe kwenguva refu pasina chikonzero.
Mortgage: Mutoro Wakagovaniswa Kusvika Kutamiswa
Imwe yepfungwa dzisina kunaka dzekurambana ndeyekufunga kuti kutama kubva pamba pemhuri kunogumisa zvisungo zvako zvepamutemo maererano nazvo. Vakaroorana vese vari vaviri vanoramba vaine mutoro wechikwereti chose chemba kusvika imba yacho yatumirwa kuzita remumwe munhu kana kuti yabhadharwa zvachose.
Kubhadhara mari pamwe chete uye zvimwe zvinhu zvinoreva kuti bhangi rinogona kutsvaga chero munhu anokwereta mari yese yasara—kwete hafu chete. Kana wawaimbove mukadzi/murume wako akarega kubhadhara mushure mekunge mabuda mumba, mukweretesi wemortgage anogona kukuteverai nemari yese yamakarasikirwa nayo, mari yekunonoka kubhadhara, uye mari yekutorwa kwemari. Chibvumirano chenyu chisina kurongeka chekuti ndiani anotarisira mari hachina simba repamutemo kubhangi.
Kukurumidzira kugadzirisa chikwereti chemba nekukurumidza hakugoni kutaurwa zvakanyanya. Mwedzi wega wega unopfuura uine chikwereti chemhuri pamwe chete chichiri kushanda chinomiririra njodzi yemari iri kuramba iripo. Mhinduro dzakajeka dzinowanikwa nekutenga chikwereti chose nekubhadharazve mari yemba nezita rimwe chete uye kusunungurwa kwemumwe wevakaroorana navo, kana kutengeswa kwemba yacho uye kubhadharwa kwakazara kwechikwereti kuchibvisa chikwereti zvachose.
Kana pasina kana chimwe chazvo chinokwanisika nekukasika, nyora zvese pasi, simbisa kuti unofanira kugamuchira humbowo hwekuti muri kubhadhara mari mwedzi wega wega, uye tarisa mushumo wako wechikwereti nguva nenguva kuti uwane matambudziko nekukurumidza.
Kugovanisa Equity kana Negative Equity
Kana imba yatengeswa kana kuti mumwe munhu atenga mumwe, mhedzisiro yemari inofanira kugoverwa. Mutemo wekusaita zvikanganiso ndewekuti 50/50 division—mumwe nemumwe wevaimbova mudzimai/murume anowana hafu yemari yese mushure mekubhadhara mortgage uye kubhadhara mari yekutengesa. Saizvozvowo, kana paine negative equity (restschuld), mumwe nemumwe anotakura hafu yechikwereti ichocho.
Matare anosiyana nekupatsanurana kwakaenzana chete kana kurongeka uye kururamisira kuchidikanwa, izvo zvinoda mamiriro ezvinhu akasiyana. Matare ezvikonzero akabvuma zvinosanganisira mhirizhonga yemumba uye kushungurudzika kunokonzerwa nekukanganisa kugona kwemumwe wevakaroorana; mipiro isingaenzaniswi kubva kumidziyo yakasiyana isiri yewanano; kunonoka kwenguva refu kunokonzerwa nekuvharirwa kwemumwe wevakaroorana panguva iyo kukosha kwepfuma kwakadzikira; uye hapana kugona kwemari mumumwe wevakaroorana nepo mumwe aine mari yakawanda.
Nyaya yakakosha ya2025 inoratidza izvi: dare rakaderedza zvakanyanya mugove wemumwe wevakaroorana vasina kuenzana zvichibva pane zvakawanikwa mumhirizhonga yemumba, PTSS, kudzikira kwesimba rekushanda, uye kunonoka kwenguva refu pakati pekurambana nekutengesa. Zvisinei, kusiyana kwakadaro kuchiri kwakasiyana—matare anoda humbowo hunogutsa uye nharo dzakasimba dzemutemo.
Zvichangoitwa Zvemutemo
Mutemo wemhuri weDutch unoramba uchichinja kuburikidza nesarudzo dzematare. Mafambiro akati wandei anozivikanwa akabuda munguva pfupi yapfuura.
Matare ari kuramba achida kupa mvumo yekutengesa nekumanikidzwa nekukurumidza kana kurambidzwa kwacho kwava pachena, vachitora chinzvimbo chakasimba kune vakaroorana vanorambidza kutengesa pasina chikonzero chakanaka. Kana rimwe bato richikumbira kumiswa kwemutemo wekutengesa nekumanikidzwa panguva yekukwidza nyaya, matare ikozvino anogara achiisa mitemo inosanganisira kubhadhara mari yekushandisa pamusika, zvichidzivirira bato riri kukwidza nyaya kuti risafarire pekugara mahara uku richinonoka kutongwa.
Mibairo yekukuvadzwa nekuda kwekusashanda pamwe nemaune iri kuwedzera. Mutongo wa2025 wakapihwa pamusoro pe €77,000 nekuda kwekukanganisa kutengeswa nemaune uye kutyora chibvumirano chekugadzirisa - zvichiratidza kuti kusashanda pamwe chete kune mhedzisiro chaiyo yemari. Panguva imwe chete, matare ari kusimbisa zvinodiwa nemaitiro zvakanyanya, nekusatevedzera mitemo kuri kuwedzera kutungamira kurambwa kwezvikumbiro.
At Law & More, tinoramba tichitarisa zviri kuitika izvi kuti tive nechokwadi chekuti vatengi vedu vanobatsirwa nemaitiro epamutemo aripo iye zvino.
Mibvunzo Inonyanya Kubvunzwa
Mukwanyina anogona kungomanikidza mumwe wake kuti abve here, kunyangwe kana munhu iyeye ari muridzi wemba pamwe chete naye?
Kwete, kwete zvachose. Kunyangwe kana mumwe chete ari iye muridzi wepfuma zviri pamutemo, havakwanise kumanikidza mumwe chete kuti abve vasina mvumo yedare. Mutemo wemhuri weDutch unobvuma kuti imba yemhuri inobatsira zvinhu zvikuru kupfuura kuva muridzi wepfuma chete. Kana vaviri vari varidzi vepfuma pamwe chete—sezvavanowanzova pasi pemubatanidzwa wepfuma—hapana anogona kudzinga mumwe pasina nzira yepamutemo. Kungochinja makiyi kana kubvisa zvinhu kwaizova chiito chisiri pamutemo (onrechtmatige daad) icho chingave mhedzisiro yepamutemo kusanganisira kukuvara uye kudzoserwa mumba nekumanikidzwa. Kunyangwe mumamiriro ezvinhu ekunetsana kwakanyanya, maitiro akakodzera emutemo anofanira kuteverwa.
Chii chaizvo chinonzi mwedzi mitanhatu pasi pechinyorwa 1:165 BW, uye unonyorera sei?
Chinyorwa 1:165 BW inopa chero aimbova murume/mukadzi kodzero yekukumbira kuramba uchishandisa imba yemhuri kwemwedzi mitanhatu mushure mekunyoreswa kwekurambana, zvisinei nekuti ndeyaani. Kunyangwe murume/mukadzi asiri muridzi anogona kunyorera kugara muimba yaaimbova muridzi wayo zviri pamutemo. Unokumbira kodzero iyi nekuisa chikumbiro (verzoekschrift) kudare redunhu, uchitsanangura kuti nei uchida kuramba uchishandisa imba—zvinhu zvakaita sekuchengeta vana, kushaya pekugara, kana mamiriro ebasa. Kana zvikabvumidzwa, unofanirwa kubhadhara mari yekushandisa kune aimbova mukadzi/mukadzi wako, inowanzoverengerwa sechikamu chemari yekurenda pamusika. Kuwedzerwa kwemari kupfuura mwedzi mitanhatu kunogoneka asi hazviwanzoitiki, zvinoda chikonzero chakasiyana.
Ndezvipi zvinhu zvinofungwa nedare pakusarudza kushandiswa kwemba chete?
Matare anoita ongororo yakazara yekuyera zvinhu. Zvido zvevana zvine mutoro mukuru—matare anoongorora kuti ndeupi mubereki mukuru anotarisira vana, kuti zvikoro zvevana uye masocial network zviri kupi, uye kuti kutama kwacho kungakanganisa zvakadii. Kuwanikwa kwedzimba dzakasiyana kunoongororwa zvakakwana, pamwe chete nekukwanisa kwevakaroorana vese kuchengetedza chibvumirano ichi. Mamiriro ehutano, kuchengetedzeka, uye kusawirirana mudzimba kuri kuramba kuchienderera mberi. Mubvunzo wekupedzisira wedare ndewekuti: tichifunga nezvemamiriro ese ezvinhu, chirongwa chipi chinoenzanisa zvido zvemapato ese ari maviri zvakanaka uku chichidzivirira chero vana vanobatanidzwa?
Chii chinoitika kuchikwereti chemba kana mumwe wevakaroorana naye akaenda asi chikwereti chichiri mumazita ese ari maviri?
Mapato ese ari maviri anoramba aine mutoro wechikwereti chose chemba kusvika chikwereti chose chabviswa kubva kumukweretesi. Mutoro wepamwe chete uye wevamwe zvinoreva kuti mukweretesi anogona kudzinga chero mukweretesi nemari yese yaakatadza kubhadhara - kwete hafu yake chete. Chibvumirano chako chisina kurongeka newawaimbova naye pamusoro pekuti ndiani anotarisira kubhadhara hachina simba repamutemo kubhangi. Kana wawaimbova naye akarega kubhadhara, chiyero chako chechikwereti chichaparadzwa pamwe chete nechake. Tarisa mushumo wako wechikwereti nguva nenguva uye ita chimwe chinhu nekukurumidza kana ukaona kuti wakatadza kubhadhara.
Maitiro ekutenga mari anoshanda sei, uye bhangi rinofanira kupa mvumo riini?
Kutenga imba kunotanga nekukosha kwemari yemba, zvichiteverwa nekuverenga mari yemba nekubvisa mari yemba yasara kubva pamutengo wemari iripo. Mudzimai anotenga anofanira kuronga mari yekubhadhara mari yemba uye pamwe nekubhadhara mari yemba nezita ravo chete—apa ndipo panodiwa mvumo nebhangi. Mukweretesi anoongorora kana mudzimai anotenga ari ega ane mari yakakwana uye akakodzera kukwereta mari yemba kuti akwanise kubata imba yacho ari ega. Kana ikatenderwa, bhangi rinosunungura mudzimai ari kutengesa kubva pamhosva dzese. Vaviri ava vanobva vanyora gwaro repamutemo rekuchinjisa imba pamberi pegweta remutemo, uye kutengeserana kwakanyoreswa muKadaster. Maitiro acho anowanzo tora mavhiki 8-12 kubva pakubvumirana kwekutanga kusvika pakuchinjisa imba kwapera.
Ndingaitei kana wandaimbova naye akaramba kushandira pamwe nekutengesa?
Mune nzira dzakawanda dzemutemo dziri kuramba dzichikwira. Nyora pasi kurambwa kwacho zvizere, wobva waendesa chikumbiro kudare redunhu uchikumbira mvumo yekutengesa pasi pechikamu 3:174 BW kana murairo wekumanikidzwa wekuparadzanisa pasi pechikamu 3:178 BW. Kumbira kuti dare rikubvumidze kuenderera mberi usina mvumo yewaimbova wako, manikidza dwangsommen dzinoungana zuva nezuva kana chipingamupinyi chikaramba chiripo, uye bvisa chirango chekudzivirira muchato kuitira kuti mutongo wacho utsive pamutemo siginecha yavo pamagwaro ese anodiwa. Matare anowedzera kugamuchira zvikumbiro izvi kana chipingamupinyi chisina chikonzero chakakodzera.
Ndingakwanisa here kukumbira mari yekurasikirwa kana aimbova wangu akakanganisa kutengeswa kwemabhizinesi nemaune?
Ehe, asi unofanira kuzadzisa zvinodiwa pamutemo zvakasimba. Kukuvadzwa kunogoneka pasi pechinyorwa 6:162 BW kana kuramba kwewaimbova wako kusina chikonzero chakanaka uye kuchikonzera kukuvara kwemari kwakasimba, kwakadai sekuunganidza mubereko wemba, zvirango zvemukweretesi, kana kurasikirwa nemukana wekutengesa simende. Matare anoongorora zvikumbiro izvi nokungwarira; unofanira kutsigira chinhu chimwe nechimwe chekukuvadzwa nemagwaro akasimba. Zvikumbiro zvisina kujeka zvisina humbowo hwakasimba zvinowanzokundikana. Mutemo wenyaya dzazvino uno wakapa kukuvadzwa kukuru muzviitiko zvakaratidzwa zvekuvharirwa nemaune.
Kuenzana kunogovaniswa sei, uye dare rinotsauka rini kubva pamutemo we50/50?
Mutemo wekutadza kubhadhara chikwereti ndewekuenzana kwemari—murume/mukadzi wekare anowana 50% yemari yese mushure mekubhadharwa kwemba uye mari yekutengesa. Matare anotsauka chete kana kunzwisisika uye kururama kuchikumbira izvozvo, izvo zvinoda mamiriro ezvinhu akasiyana anotsigirwa nehumbowo hunogutsa. Zvikonzero zvinogamuchirwa zvinosanganisira mhirizhonga yemumba inokanganisa kugona kwemumwe wevakaroorana naye kuwana mari, mipiro isingaenzaniswi kubva kuzvinhu zvakasiyana, kunonoka kunokonzerwa nekuvharirwa uko kukosha kwakaderera, uye kusawirirana kukuru kwemari pakati pemapato. Kungonzwa kuti kupatsanurwa kwakaenzana hakuna kururama hazvina kukwana—mutoro wehumbowo uri webato riri kukumbira kupatsanurwa.
Ndeipi mhedzisiro yekusawana mari yakakwana kana mumwe wevakaroorana naye asingakwanise kupa mari?
Kana imba ikatengeswa nemari shoma pane chikwereti chemba chiripo, vese vakaroorana vekare vanobhadhara chikwereti ichi zvakaenzana. Kana mumwe munhu asingakwanise kubhadhara mugove wake, chikamu 6:13 BW chinobvumira kuti mari isina kubhadharwa iendeswe kune mumwe ane chikwereti naye—zvichireva kuti munhu anogadzirisa nyaya anogona kuzopedzisira ava nemhosva yezvese zvakasara, nekodzero yedzidziso chete yekutsiva munhu akambotadza kubhadhara. Matare anogona kusiyana nekugovana zvakaenzana muzviitiko zvakanyanya, kunyanya kana kusakwanisa kwemumwe wevakaroorana kwakanyorwa zvakakwana uye kugovaniswa kwakaenzana kunogona kuburitsa mhedzisiro isina kunaka.
Kuva nevana vadiki kunokanganisa here kuti ndiani anowana mukana wekugara mumba?
Kuvapo kwevana kune mutoro mukuru—kazhinji ndicho chinhu chikuru. Matare anogara achiratidza kuti mubereki anochengeta vana zvakanyanya uye anogara navo ane mukana wakasimba wekuti arambe achishandisa imba yemhuri, kunyangwe asina muridzi wepamutemo. Matare anoona kuda kwevana kuramba vachigara uye kugadzikana—kuva pedyo nechikoro, maitiro akajairwa, nzvimbo yavanoziva—sekupfuura kodzero dzemuridzi wepfuma munguva pfupi iri kutevera. Zvisinei, zvido zvevana hazvingozviiti kuti zvipfuure zvimwe zvese. Mubereki anoti anoda imba iyi nekuda kwevana anofanira kuratidza kuti anogona kubhadhara mari iri kubhadharwa.
The Bottom Line
Mubvunzo wekuti ndiani anogara mumba memhuri mushure mekurambana hauna mhinduro yakajairika—mhedzisiro yacho inogara iri maatwerk, yakagadzirirwa mamiriro ako chaiwo. Matare anoyera hurongwa hwemuridzi zvichienderana nezvido zvemhuri, mamiriro emari zvichienderana nezvinodiwa nevana, uye kodzero dzemutemo zvinopesana nezvinoitika.
Nheyo dzinoverengeka dzakakosha dzinobuda: kuva muridzi wemba kunokosha asi hakuzi iko kwega kunosarudza kuti ndiani anogara; zvido zvevana zvine mutoro mukuru musarudzo dzematare; mapato ese ari maviri anoramba aine mutoro wakazara wechikwereti chemba kusvika zvaburitswa zviri pamutemo; mhinduro dzenguva pfupi dzinopa mukana wekuzorora asi hadzigadzirise kuva muridzi wemba pakupedzisira; matare anomanikidza kutengesa kana kushandira pamwe kwakundikana; uye kupatsanurana kwakaenzana ndiko kunotangira asi matare anogona kutsauka nekuda kwezvikonzero zvinonzwisisika.
Kutungamirirwa kwemutemo nenyanzvi pakutanga kunobatsira zvikuru. Sarudzo dzaunoita mumavhiki ekutanga mushure mekuparadzana dzinogona kuva nemigumisiro inogara kwenguva refu pakodzero dzako uye mamiriro ako emari.
At Law & More, tinotungamira vatengi vedu mumamiriro ezvinhu aya chaiwo zuva nezuva. Chikwata chedu chemutemo wemhuri chinonzwisisa zvese kuoma kwemutemo uye mativi ekurambana kwevanhu. Uri kubvunza mibvunzo nezvemba yako yemhuri nekurambana here? Bata nesu. Law & More kuti tibvunze pachivande. Mahofisi edu ari mu Eindhoven uye Amsterdam shandira vatengi muNetherlands yese, nechikwata chedu chinotaura mitauro yakawanda tichiona kuti unogona kukurukura mamiriro ako ezvinhu mumutauro waunonyatsonzwa wakasununguka.
