Munenge mukurambana kwega kwega, mubvunzo unonyanya kushungurudza hausi wekuchengetedza mari kana mota—asi weimba. Kune vakaroorana vazhinji, imba yemhuri haingomiriri chete pfuma yavo huru yemari, asiwo musimboti wehupenyu hwemhuri yavo, kuchengetedzeka, uye ndangariro.
Kana muchato wapera, kusava nechokwadi chekuti “ndiani anowana imba?” kunogona kukuomera. Uchafanira kutama here? Unogona kutenga chikwereti chemba uri wega here? Ko kugadzikana kwevana?
Mhinduro yacho haiwanzova hongu kana kwete. MuchiDutch mutemo, kupatsanurwa kweimba yewanano kunoenderana nekubatana kwakaoma kwehurongwa hwemidziyo yenyu yewanano (nharaunda yemidziyo vs. zvibvumirano zvepamberi pewanano), kugona kwemari, uye zvibvumirano zvakananga zvinoitwa panguva yekuparadzana.
Gwaro iri rinopa ruzivo rwakakwana rwemutemo wakatarisana nekugoverwa kwemba muNetherlands. Tichakuratidzai mamiriro matatu makuru, tichatsanangura kukanganiswa kwazvinoitwa ne gemeenschap van goederen (nharaunda yepfuma), uye ipa mienzaniso inoshanda yekukubatsira kufamba mukuchinja uku kwakaoma nekujeka uye nechivimbo.
1. Mutemo Mukuru: Kugarisana Kwepfuma (Gemeenschap van Goederen)
Kune vazhinji vewanano muNetherlands (kunyanya avo vakachata vasati vasvika gore ra2018), mutemo wekuti pfuma yavo igare pamwe chete (algehele gemeenschap van goederenKunzwisisa zvinoreva izvi ndiyo danho rekutanga pakusarudza remangwana remba yako.
Chii chinonzi Community of Property?
Pasi peDutch mutemo (Chinyorwa 1:94 cheDutch Civil Code, kana Burgerlijk Wetboek – BW), kuroorana mumubatanidzwa wepfuma zvinoreva kuti midziyo yese nezvikwereti zvakawanikwa vasati varoorana uye panguva yekuroorana zvinogovaniswa zvakaenzana. Izvi zvinosanganisira imba yemuchato uye chikwereti chemba chakabatana nacho.
Kana marambana, nharaunda iyi inoparadzwa. Sekureva kweChinyorwa 3:178 BW, pfuma yemubatanidzwa inofanira kugovaniswa. Pokutangira pari nyore: mumwe nemumwe ane kodzero yekuwana 50% yemutengo wemba uye ndiye ane mutoro we50% yechikwereti chemba.
Zuva reKuongorora (Peildatum)
Pfungwa inowanzo gakava ndeye apo kukosha kweimba kunotsanangurwa. Mitengo yemba inochinja-chinja, uye kukosha kwaunosarudza kuparadzana kunogona kusiyana zvikuru nemutengo wekurambana kana wapedza.
Mumutemo wechiDutch, mutemo mukuru ndewekuti kukosha kwemba kunoonekwa pazuva re chikamu chaicho (feitelijke verdeling). Iri ndiro zuva rinowanzo sainwa gwaro rekuchinjisa zvinhu kuna notary kana kuti dare parinopa mutongo. kwete kazhinji zuva rakaiswa chikumbiro chekurambana.
muenzaniso:
- Zuva rekuparadzana: Ndira 2023 (Kukosha kweimba: €400,000)
- Zuva chairo rekuchinjisa: Chikumi 2025 (Kukosha kweimba: €440,000)
- Mhinduro: Chibvumirano chinofanira kunge chakavakirwa pamutengo we€440,000. Vaviri ava vanogovana mukuwedzera kwe€40,000 kwakaitika panguva yekutongwa kwenyaya.
Muenzaniso Wekuverenga Unoshanda
Ngatitarisei muenzaniso chaiwo wekuti kupatsanurwa uku kwe50/50 kunoshanda sei pakushanda.
Mamiriro ezvinhu:
Mark naSarah vakaroorana mumhuri ine pfuma yakabatana. Vane imba ine mutengo wepamusika we $1.50 €400,000. Chikwereti chemba chiripo ndeche €250,000.
The Calculation:
- Market Value: €400,000
- Chikwereti Chemba Yechikwereti: - € 250,000
- Total Surplus Value (Overwaarde): €150,000
Sezvo vaine kodzero yekuwana mugove wakaenzana, mari yese ye€150,000 inokamurwa kuita zvikamu zviviri. Kana Mark achida kutora imba, anofanira kubhadhara Sarah mugove wake we €75,000.
2. Ko Kana Muine Zvibvumirano zveVasati Varoorana (Huwelijkse Voorwaarden)?
Kana wakaroora pasi pechibvumirano chemuchato (huwelijkse voorwaarden), mutemo we50/50 haushande wega. Muchiitiko ichi, muridzi weimba anoenderana zvachose nezvakabvumiranwa muchibvumirano.
Kuva Muridzi Wepachivande
Kazhinji, zvibvumirano zvepamberi pewanano zvinoti midziyo inoramba iri yemunhu oga. Kana imba yakanyoreswa muzita rako chete uye chibvumirano chikasimbisa kuti ipfuma yako wega, unowanzo chengeta muridzi wayo wakazara. Aimbova mudiwa wako haazove nekodzero yekuwana hafu yemutengo wacho.
Zvisizvo uye Zvikamu Zvakasiyana (Verrekenbedingen)
Zvisinei, chokwadi chepamutemo chinowanzova chakajeka. Kunyangwe paine zvibvumirano zvepamberi pemuchato, matambudziko anogona kumuka:
- Zvikamu zvePeriodic Set-off: Zvibvumirano zvakawanda zvinoda kuti vakaroorana vagovane mari yavasina kushandisa pagore. Dai izvi zvisina kuitwa, midziyo yakaunganidzwa (kusanganisira mari yakaitwa pachikwereti chemba) ingangoda kugovaniswa pakupera kwemuchato.
- Kutenga Pamwe Chete: Kana makatenga imba iyi pamwe chete panguva yekuroorana, munogona kunge muri muridzi wayo (50/50 kana chimwe chiyero), pasinei nechibvumirano chemuchato.
Zano: Gara uine gweta rakanyatsoongorora zvaunoda huwelijkse voorwaarden"Kusabatanidzwa zvisina tsarukano" (kuparadzanisa zvese) hakuwanzoitika; kazhinji, mari dzakabatana dzinoita kuti pave nechikumbiro chekuripwa.
3. Zviitiko Zvitatu: Ndiani Anowana Musha?
Kana nharaunda yaparara, pane nzira nhatu chete dzekugadzirisa imba yewanano.
Chiitiko A: Mumwe Mubatsiri Anotora Basa Repamba (Kudhonza makumbo)
Muchiitiko ichi, mumwe wevakaroorana naye anogara mumba otenga mumwe. Iyi ndiyo sarudzo inonyanya kufarirwa kana vana varipo, sezvo ichipa kugadzikana.
Ainoita:
Mubatsiri ari kuchengeta imba "anopihwa" (toegedeeld) pfuma. Vanofanira kubhadhara hafu yemari yasara (overwaarde) kune mumwe wako ari kuenda.
Basa Rinokosha reBhangi:
Hazvina kukwana kuti vakaroorana vabvumirane pakati pavo. Mudiwa anotora imba ndiye anofanira kutora chikwereti chose chembaParizvino, vaviri ava "vane mutoro pamwe chete uye mumwe nemumwe" (hoofdelijk aansprakelijk) yechikwereti. Izvi zvinoreva kuti bhangi rinogona kukumbira kubhadharwa kwakazara kubva kumunhu chero upi zvake.
Kuti Chiitiko A chishande, bhangi rinofanira kubvuma kubvisa mubatsiri ari kubva pamutoro uyu (ontslag uit hoofdelijke aansprakelijkheid). Bhangi richaita ongororo yakasimba yemari kuti rive nechokwadi chekuti mumwe wevaviri vasara vanogona kubhadhara mortgage pamari imwe chete.
Mazano Anoshanda:
Kana bhangi risingabvumirani nekusunungurwa kwenyaya yacho, kuendeswa kwenyaya yacho hakugone kuenderera mberi zviri pamutemo. Chikamu chinowanzo shandiswa mukugadzirisa nyaya dzekurambana ndeichi: "Kana kusunungurwa kubva pamutoro wekubatana kusina kurongwa mukati memwedzi mitatu, imba yacho inofanira kutengeswa."
Muenzaniso B: Imba Yatengeswa Kune Wechitatu
Kana pasina mumwe wevakaroorana naye anogona kutora imba, kana kuti kana musingabvumirane pamutengo wayo, kutengesa imba ndiyo danho rinodiwa.
Ainoita:
Imba inotengeswa. Kubva pamari inotengeswa, chikwereti chemba nemitengo yekutengesa (mumiriri wepfuma, notary) zvinotanga kubhadharwa. Mari yasara (mari yese inowanikwa) inozogoverwa 50/50 pakati pevaviri (tichifunga nezvekudyidzana kwepfuma).
Ko kana mumwe wako akaramba kutengesa?
Kana waimbova mudiwa wako akaramba kushandira pamwe nekutengesa kana maitiro ekuona imba, unogona kunyorera kudare kuti uwane "mvumo yekutsiva" (vervanende toestemmingIzvi zvinoita kuti kutengeswa kuenderere mberi pasinei nekuramba kwavo.
Muenzaniso C: Kushandiswa Kwenguva Pfupi Munguva Yenyaya
Maitiro ekurambana anotora nguva. Ndiani anogara mumba umu magwaro achigadziriswa?
Pasi peChikamu 822 cheMutemo weMaitiro eVanhu (Wetboek van Burgerlijke Rechtsvordering – Rv), mutongi anogona kupa mumwe wevakaroorana kodzero yekushandisa imba yemuchato panguva yekurambana. Ichi chiito chenguva pfupi (voorlopige voorziening).
Uyezve, pasi peChinyorwa 1:165 BW, dare rinogona kutonga kuti mumwe wevakaroorana naye anogona kuramba achigara mumba kusvika mwedzi mitanhatu mushure mekunge kurambana kwapera. Izvi zvinowanzopihwa kune anotarisira vana, zvisinei nekuti ndiani muridzi wemba. Ziva kuti murume anogara naye anowanzo kubhadhara mari yekushandisa yakakodzera (gebruiksvergoeding) kune mumwe wako ari kuenda panguva iyi.
4. Mamiriro Akakosha uye Zvimwe Zvisingakoshi
Kunyangwe mukati memitemo yakajairika, kune zvimwe zvisingashande zvinogona kuchinja kupatsanurwa.
Mari Yakaitwa Nemari Yemunhu
Wakabhadhara here mari yekutanga kana yekugadzirisa imba uchishandisa nhaka kana mari yawaive nayo usati waroorana? Mumakore achangopfuura, mutemo wakachinja kuti udzivirire mari idzi dzepachivande.
Kana uchikwanisa kuratidza (mutoro wehumbowo uri mauri) kuti wakaisa mari yako wega mupfuma yemubatanidzwa, une kodzero yekudzoserwa mari (vergoedingsrechtPasi pe "dzidziso yekudyara mari" iripo iye zvino (beleggingsleer), une kodzero yekudzoserwa mari yako yepakutanga, ndinoiitawo chikamu mukuwedzera kwemutengo weimba zvinoenderana nekudyara kwako.
muenzaniso:
Unoisa €20,000 yemari yenhaka yemunhu wega muimba yakatengwa ne €200,000. Uyu mupiro we10%. Kana imba yava kukosha €400,000, mari yako yekudzoserwa haisi €20,000 chete, asi €40,000 (10% yemari iripo iye zvino).
Nhaka nezvipo
Midziyo inogamuchirwa kuburikidza nenhaka kana chipo inowanzova kunze kwenharaunda yepfuma, chero bedzi muridzi wenhaka/mupi akaisa "chikamu chekusabatanidzwa" (uitsluitingsclausuleKana wakashandisa mari yenhaka isina kubhadharwa kubhadhara chikwereti chemba, kukosha kwemupiro iwoyo kunoramba kuri kwako uye hakugovaniswe 50/50.
Kunzwisisa uye Kururama (Redelijkheid en Billijkheid)
Mutongi anogona here kutsauka kubva pamutemo wakaoma we50/50? Mupfungwa, hongu. Mutemo weDutch unobvumidza kutsauka zvichibva pa "kunzwisisa uye kururamisira." Zvisinei, matare edzimhosva anoratidza kuti vatongi vanozeza zvikuru kuita izvi. Zvinongoitika chete mumamiriro ezvinhu asina kujairika apo kupatsanurwa kwe50/50 kwaisazogamuchirwa—semuenzaniso, kana mumwe wevakaroorana akaparadza midziyo nemaune kana kuti akaunganidza zvikwereti zvakakura zvekubhejera.
5. Mazano Anoshanda uye Mibvunzo Inowanzo bvunzwa
Dzidziso yezvemitemo yakajeka, asi chokwadi chinoshanda chinomutsa mibvunzo yakawanda.
Ndiani anobhadhara chikwereti chemba panguva yekurambana?
Pamutemo, vaviri vari vaviri vanoramba vaine mutoro wechikwereti chemba. Kazhinji, munhu anoramba ari mumba ndiye anobhadhara mubereko wemba (sezvo vane mari yekubatsira imba), nepo chikamu chekubhadhara chingave chichiri kugoverwa. Zvakakosha kuita zvibvumirano zvakajeka nezveizvi nekukurumidza kudzivirira kusabhadhara mari (kunyoreswa kweBKR).
Ko nezvezvinhu zvemumba (inboedel)?
Zvinhu zvemumba chikamu chemhuri yemidziyo. Kazhinji, vakaroorana vanogovana izvi nekubvumirana—iwe unotora sofa, ini ndinotora muchina wekuwachisa. Kana mutengo wacho wakasiyana zvakanyanya, muripo wemari unogona kubvumirana. Zvinhu zvine zvishongo zvakajeka (zvishongo, zvinhu zvenhaka) zvinowanzogara nemuridzi wekutanga.
Kukosha kwacho kunoonekwa sei?
Kuti mudzivise kusawirirana, sarudzai muongorori asina kwaakarerekera uye ane certification (muteresiBvumiranai pachine nguva kuti mushumo wekuyera mutengo uchave wakakodzera mapato ese ari maviri.
6. Basa reGweta
Kufamba muchikamu chekupatsanura imba kunosanganisira mutemo wepfuma, mutemo wemhuri, uye kuverenga mari kwakaoma. Kunyange zvazvo zvichikwanisika kuita zvibvumirano pamwe chete, nhungamiro yepamutemo inowanzokosha kuti pave nechokwadi chekuti chibvumirano chacho chinosunga uye chakarurama.
Gweta rezvekurambana rinogona kukubatsira:
- Verenga chaizvo overwaarde kana kuti kukosha kwayo kuri pasi.
- Nyora chibvumirano chakasimba chekurambana (echtscheidingsconvenant) kuti bhangi richabvuma.
- Simbisai kutengesa kana mumwe wenyu asingabvumirani.
- Taura mari yekudyara yega yaungave wakakanganwa kuti une kodzero yekudzoserwa mari yacho.
At Law & More, tinonzwisisa kuti imba yako haisi yekungova nezvidhinha chete; inguva yako yemberi. Tinokubatsira kuti utarise matambudziko emutemo kuitira kuti ugone kutarisa pakuvakazve hupenyu hwako.
7. Mhedziso
Kupatsanura imba yewanano hakuwanzo nyore, asi kunzwisisa mitemo kunounza kujeka. Ungave wakaroorana mumhuri ine pfuma yakawanda kana kuti une zvibvumirano zvepamberi pewanano, chinangwa ndechekugadzirisana kwakaringana kunobvumira mapato ese kuti afambire mberi. Yeuka kuti kunyangwe mutemo we50/50 uriwo mutemo, mari yekudyara yega nemamiriro ezvinhu chaiwo zvinogona kuchinja mhedzisiro.
Kurambana kwega kwega kwakasiyana. Nekutsvaga mazano panguva yakakodzera uye kunzwisisa maonero ako, unogona kushandura chikonzero chekushushikana kuita hwaro hwakasimba hwechitsauko chako chitsva.
Mibvunzo Inowanzo bvunzwa: Kupatsanurwa Kwemba Mukurambana
1. Ndiani anotenderwa kugara mumba panguva yekurambana?
Izvi zvinoenderana nemamiriro ezvinhu. Mutongi anogona kupa mutongo wechinguvana (voorlopige voorziening) kupa mumwe chete mukana wekushandisa imba yacho chete panguva yese yekutongwa kwenyaya. Sarudzo yacho inowanzo enderana nezvido zvevana chero vapi zvavo uye mamiriro emari emativi ese. Mushure mekunge kurambana kwapera mumarejista, murume anogara muwanano anogona kugara kwemwedzi inosvika mitanhatu, kunze kwekunge zvabvumiranwa neimwe nzira.
2. Ko kana aimbova mudiwa wangu akarega kubhadhara chikwereti chemba?
Kana mese muri vaviri muine mhosva pamwe chete uye mose muri vaviri (hoofdelijk aansprakelijk), bhangi rinogona kukumbira mari yese kubva ku iwe, kunyangwe kana wakatobhadhara mugove wako. Zvakakosha kunyora zvibvumirano zvekubhadhara muchibvumirano chekurambana. Kana ukabhadhara mugove wewawaimbova naye, unowana chikumbiro pamusoro pake, asi unoramba uine mhosva kubhangi panguva iyi.
3. Imba inofanira kutengeswa nguva dzose here?
Kwete, kutengesa hakusi iko kwega sarudzo. Kazhinji pane zviitiko zvitatu:
- Mumwe murume/mukadzi anotora imba otenga imwe.
- Imba yacho inotengeswa kune mumwe munhu, uye mari yacho inogovaniswa.
- Muzviitiko zvisingawanzoitiki, vakaroorana vanoramba vari varidzi veimba kwenguva yakati (kunyange zvazvo izvi zvisingawanzoitiki nekuda kwekumanikidzwa kuri kuramba kuripo mune zvemari).
4. Kukosha kwemba kunoonekwa sei?
Kukosha kwacho kunowanzo zivikanwa kuburikidza nekuongorora kwakazvimirira (mutero). Vadyidzani vanogona kusarudza muongorori wenyaya pamwe chete. Kana musingabvumirane, dare rinogona kusarudza nyanzvi. Kukosha kwacho kunowanzo tsanangurwa zvichienderana nezuva rekupatsanurwa chaiko, kwete zuva rekuparadzana.
5. Chii chinoitika kune huwandu hwezvakawandisa (overwaarde)?
Mumhuri yewanano yepfuma, mari yasara (mutengo wemusika uchibvisa chikwereti chemba) inogovaniswa zvakaenzana. Kana mumwe wevakaroorana naye akachengeta imba, anobhadhara 50% yemutengo uyu kune mumwe. Kana ikatengeswa, mari yese inowanikwa inogovaniswa 50/50 mushure memari yaishandiswa.
6. Ko kana imba iri "pasi pemvura" (negative equity)?
Negative equity (chikwereti chasara) chinogovaniswawo 50/50 mumhuri yepfuma. Kana mumwe wevakaroorana akatora imba, vanofanira kutora chikwereti chose, uye kazhinji, hapana muripo wekutenga unobhadharwa (kana kuti mumwe wevakaroorana naye anobhadhara chikamu chake chechikwereti kumudiwa asara kuti asunungurwe).
7. Ndinodzoserwa mari yangu here kana ndikabhadhara mari yekugadzirisa imba nemari yemunhu oga?
Pamwe, hongu. Kana uchikwanisa kuratidza kuti mari yakabva kumari yemunhu oga (semuenzaniso, nhaka ine chikamu chekusabatanidzwa kana kuchengetedza mari usati waroora kana kuroorwa), unogona kunge uine kodzero yekudzoserwa mari (vergoedingsrecht) Pasi pe beleggingsleer, kudzoserwa uku kunogona kusanganisira chikamu chekukosha kweimba.
8. Ko kana tiine zvibvumirano zvemuchato usati waroora/kuroorwa?
Kana muine zvibvumirano zvepamberi pewanano (huwelijkse voorwaarden), imba inogona kunge iri yemumwe wevakaroorana navo, zvichireva kuti mumwe wacho haana kodzero yekubhadharisa mari yacho. Zvisinei, unofanira kutarisa zvirevo zvekubhadhara (verrekenbedingen) kana mari yekudyara pamwe chete, izvo zvinogona kukonzera zvichemo zvemari. Gara uine gweta rinoongorora mamiriro acho chaiwo.
9. Ndingasunungurwa sei kubva pamutoro wechikwereti chemari yechikwereti pamwe chete?
Unogona kusunungurwa chete kana bhangi rikabvuma. Izvi zvinowanzoitika kuburikidza ne:
- Chinjana: Aimbova wako anotora chikwereti chemba zvizere (kana mari yake ichimubvumidza).
- Refinancing: Aimbova wako anotora chikwereti chitsva chemba kuti abhadhare chekare.
- Kutengesa: Imba inotengeswa, uye chikwereti chacho chinobhadharwa.
Kana bhangi rikaramba, unoramba uine mhosva.
10. Mutongi anogona here kusiyana nechikamu che50/50?
Ehe, asi chete muzviitiko zvisingawanzoitiki zvakavakirwa pa "kunzwisisa uye kururamisira" (redelijkheid en billijkheid). Muganho weizvi wakakwira zvikuru. Izvi zvinogona kushanda kana mumwe wevakaroorana naye akakanganisa nharaunda zvakanyanya, asi kazhinji, mutemo we50/50 wakaoma.
11. Ko kana aimbova mukadzi wangu akagara nhaka imba yacho?
Kana imba yacho yakagara nhaka nechikamu chekubvisa (uitsluitingsclausule), hazvipindi mumhuri yenhaka. Mugari wenhaka ndiye muridzi wega, uye mumwe murume/mukadzi haana kodzero yekutenga hafu yepfuma yacho. Kana pasina chikamu chekusabvisa, nhaka inogona kunge iri chikamu chemhuri.
12. Kugoverwa kunotora nguva yakareba sei?
Kana vadyidzani vakabvumirana, zvinogona kugadziriswa mumwedzi mishoma. Kana paine gakava, kana imba ichifanira kutengeswa mumusika unononoka, zvinogona kutora gore kana kupfuura. Matanho edare maererano nekugovaniswa kwemari anogona kuwedzera nguva iyi zvakanyanya.
13. Chii chinoitika kumidziyo yemumba?
Zviri mumba (inboedel) mumhuri ine pfuma inokamurwa. Kazhinji, vakaroorana vanogovana zvinhu nekubvumirana. Kusawirirana kunogona kugadziriswa nemutongi. Zvinhu zvaiva nazvo vasati varoorana kana kuti zvakagarwa nhaka zvinowanzova zvakavanzika.
14. Ndingagara mumba here kana ndine vana?
Zvinodiwa nevana zvinorema zvikuru. Mutongi anogona kubvumira muchengeti wekutanga kushandisa imba kwenguva pfupi (voorlopige voorzieningZvisinei, izvi hazvibvumidze kuva muridzi wemhuri zvachose. Chokwadi chezvemari (unogona kutenga waimbova wako here?) ndicho chichasarudza kana uchigona kugara kwenguva refu.
15. Ko kana aimbova wangu akaramba kutengesa imba?
Kana dare rikarayira kuti imba itengeswe uye wawaimbove naye akaramba kubatana naye, unogona kukumbira "mvumo yekutsiva" (vervanende toestemming) kubva kumutongi. Izvi zvinokutendera kuti urambe uchitengesa (uye usainire gwaro remutemo) usina siginecha yewawaimbova naye.
16. Tose tinofanira kubvumirana pane mutengi here?
Ehe, sevaridzi vezvinhu pamwe chete, munofanira kubvumirana nemutengo wekutengesa pamwe chete nemutengi. Kana rimwe bato risingakwanise kurambidza kutengeswa kwechinhu pamutengo wakakodzera pamusika, dare rinogona kupindira kuti rimanikidze kushandira pamwe.
17. Pane migumisiro yemitero here?
Kugovanisa imba yemuchato pakati pevaviri vekuroorana kunowanzo bvisirwa mutero wekuchinjisa pfuma (overdrachtsbelastingZvisinei, rubatsiro rwemubereko wechikwereti chemba (hypotheekrenteaftrek) mitemo inochinja mushure mekurambana, kunyanya maererano ne "chirongwa chekurambana" (kuronga kuronga) uye chinodiwa chekubhadhara chikwereti chemba kuti uchengetedze mari yemitero.
18. Ndingamanikidzwa kutenga imba kubva kune wandaimbova naye here?
Kwete. Haugone kumanikidzwa kutora imba kana usingade kana kuti usingakwanise kuitenga. Kana pasina mumwe wevanhu vanoda imba yacho, inofanira kutengeswa kune mumwe munhu.
19. Ko kana imba yacho iri muzita remudiwa wangu wekare chete?
Kana makaroorana mumubatanidzwa wepfuma, hazvinei kuti zita raani riri pagwaro remutemo; kukosha kwaro kunogovaniswa 50/50. Kana muine zvibvumirano zvepamberi pewanano, zita riri pagwaro remutemo humbowo hwakakosha hwekuti muridzi weimba.
20. Ndinoda gweta rechikamu chedzimba here?
Kunyange zvazvo zvisiri zvekumanikidzwa kuchikamu chacho pachacho, zvinokurudzirwa zvikuru. Njodzi dzemari dzakakwira, uye mitemo ine chekuita nedzimba dzezvikwereti, mitero, uye mari yekudyara yemunhu yakaoma. Gweta rinoona kuti chibvumirano hachina mvura zviri pamutemo uye kuti unosunungurwa kubva pamhosva.
