"Woonscheiding" (kugara pamwe chete) inyaya yekuti vaimbova vakaroorana vanoramba vachigara muimba imwe chete mushure mekunge hukama hwavo hwapera, kazhinji nekuda kwematambudziko emari kana musika wedzimba wakaoma. Kunyange hazvo dambudziko redzimba richiita kuti izvi zvive chinhu chinowanzo shandiswa, inyaya yepamutemo inoda zvibvumirano zvakanyatsonaka kudzivirira kuwedzera kwehukama.
Pasina hurongwa hwakasimba, unogona kurasikirwa nekodzero yako yekuwana mari yekubatsira, kusangana nezvikwereti zvisingatarisirwi, kana kuguma wava nemakakatanwa ezuva nezuva nezvekuvanzika. Muchinyorwa chino, tinokurukura matambudziko mashanu makuru ekuramba muchigara pamwe chete mushure mekuparadzana uye tinopa runyorwa rwechibvumirano chenyu chekugadzirisa (chibvumirano).
1. Nzvimbo Yekuvanzika Neyekugara: Ungadzivirira Sei Kusawirirana?
Pasi peDutch mutemo, vese vari vaviri vanowanzova nekodzero yekushandisa imba yavanogovana (Art. 1:87 Dutch Civil Code/BW), zvisinei nekuti ndiani anobhadhara chikwereti chemba. Nzvimbo iyi yepamutemo inowanzo konzera kusawirirana: "Imba yanguwo, saka ndinogona kupinda muimba yekurara chero nguva yandinoda."
Kuti mudzivise izvi, munofanira kuita zvibvumirano zvakasimba muchibvumirano chenyu chekurambana kana kuti chirongwa chekugara pamwe chete kwenguva pfupi. Tsanangurai kuti ndiani anoshandisa makamuri api chete (semuenzaniso, mudiwa A ndiye anowana imba yekurara huru, mudiwa B ndiye anowana imba yevaenzi) uye gadzirai mitemo yenzvimbo dzinogovaniswa dzakadai sekicheni neimba yekugezera.
Muenzaniso unoshanda:
Chinhu chinowanzokonzera kusawirirana ndechekuunza mumwe wako mutsva kumba. Pasina zvibvumirano, haugone kurambidza wawaimbova naye kugamuchira vaenzi zviri pamutemo. Zvisinei, kana mamiriro acho ezvinhu akasagadzikana—semuenzaniso, nekuda kwekushungurudzwa kana nharo dzehasha—unogona kukumbira kudare kuti ribvumidzwe kutanga (voorlopige voorziening) pasi peArt. 822 yeDutch Code of Civil Procedure (Rv). Mutongi anogona kubvumira mumwe wako kushandisa imba yacho chete, achimanikidza mumwe kuti abve.
Zano Rekuita: Gadzira purogiramu yevhiki nevhiki yekushandisa nzvimbo dzinogovaniswa. Semuenzaniso: Mubatsiri A anoshandisa kicheni kubva na17:00 kusvika 18:30, Mubatsiri B kubva na18:30 kusvika 20:00. Izvi zvinoderedza kusangana nekumanikidzwa uye kutsamwisana.
2. Kugoverwa Kwemari: Ndiani Anobhadhara Chii Uye Nei?
Pfungwa huru isiriyo ndeyekuti kana ukatamira muimba diki yevaenzi, unofanira kubhadhara mortgage shoma. Zvisinei, mutemo mukuru unomira pamutemo: varidzi vakabatana vanoramba vaine mutoro wekubhadhara mortgage pamwe chete uye mumwe nemumwe pamwe chete nemari yemuridzi (Art. 3:172 BW).
Sevaridzi vemari pamwe chete (deelgenoten), munofanira kupa mari zvichienderana nechikamu chenyu (kazhinji 50/50). Izvi zvinoshanda kune:
- Mubereko wembatya dzechikwereti uye kubhadhara mari
- Mitero yemaguta (OZB)
- Inishuwarenzi yekuvaka (opstalverzekering)
- Kugadzirisa kukuru
Zvisinei, mari inoshandiswa nevanhu (simba, mvura, zvekudya, internet) inogona kupatsanurwa zvichienderana nekushandiswa chaiko.
Tafura: Yakajairwa Mutengo Kugovera Panguva Woonscheiding
| Cost Category | Standard Distribution | Sei? |
|---|---|---|
| Mortgage (mubereko + kudzoserwa) | 50/50 | Chikwereti/muridzi wemari pamwe chete (Art. 3:172 BW) |
| Mitero yeMatunhu (OZB) | 50/50 | Yakabatana nekuva muridzi wepfuma |
| Simba & Mvura | Zvichibva pakushandiswa / huwandu hwevanhu | Mari yekushandisa inoshanduka-shanduka |
| Indaneti neTV | 50/50 | Nzvimbo inoshandiswa pamwe chete (kunze kwekunge munhu asingaishandise) |
| gurosari | Zvakaparadzana zvachose | Zvakakosha pakuratidza kuti mhuri dzakasiyana (ona pfundo rechitatu) |
| Inishuwarenzi yemunhu | Individual | Mutoro wemunhu wega wega |
Zano Rekuita: Vhurai account itsva yebhangi yenguva pfupi, yakabatana zvakanangana nemari yedzimba. Vese vanoisa migove yavo pamwedzi, uye mari yese yedzimba dzakagadzikana inobhadharwa kubva muakaundi iyi. Izvi zvinogadzira gwara rakajeka rekubhadhara mari dzekugara gare gare.
3. Mari yekuchengeta vakaroorana: Dambudziko reKero Yakagovaniswa
Kana muchigara pakero imwe chete, mutemo uye vane masimba emitero (Belastingdienst) vangafunga kuti muchiri kumhanyisa mhuri yenyu pamwe chete. Izvi zvine zvazvinoreva zvikuru pamari yerubatsiro rwemari yerubatsiro.
yambiro: Kana muchinzi muri kutarisira mhuri pamwe chete, kuda mari yekuchengeta mhuri yenyu kunogona kuonekwa sekusina kukosha kana kuti kwakaderera zvakanyanya, sezvo muri kugovana mari.
Mitemo yenyaya (Jurisprudence), yakaita semutongo weDare Repamusorosoro weECLI:NL:HR:2012:BU7246, inoratidza kuti mutongi anotarisa mamiriro ezvinhu chaiwo. Kungoti "takaparadzana" hazvina kukwana kana muchiri kudya pamwe chete, muchiwachirana mbatya, kana kuti muchigovana account yebhangi yekutenga zvekudya.
Kuti muchengetedze kodzero yenyu yekuwana mari yerubatsiro (kana kuti muve nechokwadi chekuti hamusi kubhadhara mari yakawanda), munofanira kuratidza kuti mhuri dzenyu dzakaparadzana zvachose, kunyangwe muchigovana musuwo mumwe chete.
Zano Rekuita: Mirai mabasa ese epamba pamwe chete nekukasika. Itai zvamunoda kutenga, bikai chikafu chenyu, uye gezai mbatya dzenyu. Nyorai mitengo iyi yakasiyana.
4. Mari Yekubatsira Nemabhenefiti: Njodzi yeBRP
Munosungirwa pamutemo kuzivisa shanduko dzehupenyu hwenyu kumasipala mukati memazuva mashanu (Art. 2.39 Personal Records Database Act/Wet BRP). Zvisinei, vakuru vemitero (Belastingdienst) vanowanzo tarisa zvakanyorwa muBRP. Kana mese makanyoreswa pakero imwe chete, munowanzoonekwa se "toeslagpartners" (vabatsiri).
Izvi zvinokanganisa:
- Kubvumirwa kwehutano (Zorgtoeslag)
- Mari yekubhadhara rendi (Huurtoeslag)
- Budget yevana (Kindgebonden budget)
The Problem:
Kana Belastingdienst ikakuona sevanobatana nekuda kwekero yavanogovana, mari yavo inounganidzwa pamwe chete. Izvi zvinowanzoreva kuti munowana mari yakawanda pamwe chete kuti mukwanise kuwana mari yekubatsira. Kana mukadzigamuchira zvakadaro, munogona kudzorera zviuru zvemaeuro gare gare, pamwe nefaindi dzinogona kubhadharwa.
The Solution:
Mutoro wekupa humbowo uri pauri. Unofanira kuratidza kuti "wakaparadzaniswa zvachose" zviri pamutemo uye nemazvo. Humbowo hunoshanda hunosanganisira:
- Chikumbiro chekurambana chakaendeswa kudare.
- Chibvumirano chekurambana chakasainwa chinotaura zuva rekuparadzana.
- Maturatifomu ebhangi akasiyana anoratidza kutenga zvekudya zvakasiyana.
- Mashoko evapupuri anobva kuvavakidzani vanosimbisa kuti munorarama hupenyu hwakasiyana.
Zano Rekuita: Unganidza humbowo hwechokwadi hwehupenyu hwako hwakaparadzana kubva pazuva rekutanga. Chengeta bhuku renhoroondo uye chengeta marisiti anoratidza kuti unofambisa hupfumi hwako wega.
5. Mutoro: Zvikwereti Zvinoramba Zviripo
Kunyangwe mukaparadzana mupfungwa, kupindirana mune zvemari kunoramba kuripo. Njodzi huru ndeyekusangana kwemhosva pamwe chete uye dzakawanda (hoofdelijke aansprakelijkheid).
Chero bedzi chikwereti chemba chakabatana, bhangi rinogona kudzosa mari yacho ose chikwereti kubva kune chero ani zvake wenyu. Kana aimbova wako akarega kubhadhara mugove wake, bhangi rinouya kwauri kuti rikupe mari yese.
Uyezve, chenjererai zvikwereti zvitsva. Zvichienderana nehurongwa hwepfuma yenyu yemuchato (nharaunda yepfuma vs. chibvumirano chepamberi pewanano), munogona kunge muchiri nemhosva yezvikwereti zvakaitwa newaimbova mudiwa wenyu vasati varambana.
yambiro: Iva nechokwadi chekuti chibvumirano chako chinotaura zvakajeka kuti hapana mumwe wevaviri ava anogona kupinda muzvisungo zvitsva zvemari (zvikwereti, kunyorera mari kunodhura, makadhi echikwereti) izvo zvinogona kuremedza pfuma yemubatanidzwa pasina mvumo yakanyorwa kubva kune mumwe.
6. Chibvumirano: Aya Mapoinzi Manomwe Akakosha
Chibvumirano chekurambana chakajairwa hachina kukwana kune woonscheidingUnoda chikamu chakasarudzika kana addendum. Iva nechokwadi chekuti pfungwa idzi nomwe dzabatanidzwa:
- Hurefu Hwenguva & Nzira Yekubuda: "Tinobvumirana kugara pamwe chete kwemwedzi isingasviki mitanhatu. Pa [Zuva], imba inofanira kutengeswa kana kutorwa."
- Purogiramu Yekuchengetedza Ruzivo Rwepachivande: Mitemo chaiyo yekuti ndiani anorara kupi uye rini nzvimbo dzakajairika dzinoshandiswa.
- Tsanangudzo Yakadzama yeMutengo: Tarisa tafura iri muchikamu 2. Taura kuti ndiani chaizvo anobhadhara mari yeeuro.
- Mutemo weKutengesa kana Kutenga: Chii chinoitika kana imba ikasatengeswa panguva yakatarwa? Mutengo waikumbirwa wadzikiswa here?
- Mari yekubatsira panguva yekugara pamwe chete: Tsanangura kana mari yemendenenzi yakabhadharwa panguva iyi (kazhinji haibhadharwi, sezvo mari yeimba ichigoverwa zvakananga).
- Zvikwereti Zvitsva: Kurambidzwa kwakajeka kwekugadzira zvikwereti zvitsva zvemubatanidzwa.
- Zvirango: Chirango (dwangsom) chekutyora zvibvumirano (semuenzaniso, kuramba kubva pazuva rakabvumiranwa).
Zano Rekuita: Usanyora izvi wega. "Chibvumirano chetafura yekicheni" chinowanzo shandiswa pamutemo. Ita kuti gweta kana murevereri aite kuti pfungwa idzi dzive dzechokwadi.
Mibvunzo Inowanzo bvunzwa Nezve Woonscheiding
Pazasi pane mibvunzo inowanzo bvunzwa nevatengi vedu maererano nekugara pamwe chete mushure mekuparadzana.
Vakaroorana vekare vanogona kugara pamwe chete kwenguva yakareba sei mushure mekuparadzana?
Hapana nguva yakatarwa yepamutemo, asi kubva pamaonero emitero nemutemo, zvine njodzi. Mushure memwedzi 6-12, Vatongi veMitero vanogona kusava nechokwadi nezvekugara kwenguva refu kwekuparadzaniswa, zvichikanganisa mari yekubatsira.
Zano: Gadzirisa nguva yacho kusvika kumwedzi gumi nemiviri uine zuva rakanyorwa rekubuda.
Ndinofanira kuramba ndichibhadhara chikwereti chemba here kana aimbove mukadzi wangu akaramba achigara mumba?
Ehe, pasi peChinyorwa 3:172 BW, varidzi vemari pamwe chete ndivo vanogovana mari yacho. Bhangi rinoita kuti imi mose muri vaviri muve nemhosva pamwe chete (hoofdelijk aansprakelijk) zvisinei nekuti ndiani anogara ikoko.
Solution: Munogona kubvumirana pa "mari yekushandisa" (gebruiksvergoeding) apo mugari wemo anobhadhara mudiwa wake ari kuenda mari yekushandisa hafu yemba yake chete.
Ndingamanikidza aimbova mudiwa wangu kuti abude mumba panguva yekuronga zvebonde here?
Kazhinji, kwete, kunze kwekunge wawana gwaro redare. Pasi peChikamu 822 Rv, mutongi anogona kupa mvumo yekushandisa imba yacho kune mumwe chete kana mamiriro acho ezvinhu asingagadzirisike (semuenzaniso, mhirizhonga kana kusawirirana kwakanyanya).
Nzira: Izvi zvinoda kupfupikiswa kwenyaya (kort geding).
Chii chinoitika kune mari yangu yekubatsira (toeslagen) kana ndikaramba ndiine kero imwechete neyeaimbova wangu?
Mapurisa emitero angangokuona sevanhu vanobatsirikana (toeslagpartners), vachiunganidza mari yako. Izvi zvinowanzoita kuti uderedze kodzero yako yekuwana mari yekubatsira kana kuti zvikubatsire kuti udzore zvinodiwa.
Chiito: Tumira chikumbiro chekuti unzi "duurzaam gescheiden" nekukasika uye ipa chibvumirano chakasainwa sehumbowo.
Ndinofanira kukumbira mvumo yekugamuchira vaenzi mukamuri rangu here?
Pamutemo, vese vane kodzero yekushandisa pfuma yacho. Zvisinei, kudzivirira kuwedzera kwepfuma, izvi zvinofanira kudzorwa muchibvumirano chenyu.
Zano: Nyora pasi urongwa hwekushanya, uchitsanangura nguva dzerunyararo uye mitemo yevaenzi.
Ndingakwanisa here kuva nemhosva yezvikwereti zvitsva zvinowanikwa newaimbova mudiwa wangu panguva yekuronga zvekuroorana?
Kana makaroorana mumhuri ine midziyo yakasiyana uye kurambana kusati kwapera, zvingangoita kuti hongu. Kunyangwe kana muine zvikwereti zvemumba (sekugadzirisa imba), munogona kuva nemhosva.
Kudzivirirwa: Isa chikamu muchibvumirano chinoda mvumo yakanyorwa yechero mari inodarika imwe mari (semuenzaniso, €500).
Ndingaratidza sei kuBelastingdienst kuti tinogara takaparadzana pakero imwe chete?
Munofanira kuratidza mhuri dzakasiyana. Uchapupu hunosanganisira maakaundi ebhangi akasiyana, marisiti ekutenga zvekudya akasiyana, nzvimbo dzekurara dzakasiyana, uye zvirevo kubva kune vamwe vanhu.
Tip: Iva nechokwadi chekuti hamugovane zvekudya pamwe chete kana mabasa epamba.
Zvinodhura marii kugadzira chibvumirano che "woonscheiding"?
Murevereri anowanzo bhadhara mari iri pakati pe€1,000 ne€2,500, nepo gweta richitangira pa€1,500 kusvika pa€3,500 zvichienderana nekuoma kwenyaya.
Investment: Kugovana mari idzi kunodzivirira kuendeswa kumatare kunodhura gare gare.
Ndingawana mumwe munhu wekuroorana naye mumba here panguva yekuroorana?
Zviri pamutemo kuti hongu, kunze kwekunge murayiro wedare kana chibvumirano zvichireva zvakasiyana. Chaizvoizvo, ichi ndicho chikonzero chikuru chekuwedzera kwekusawirirana.
Zano: Bvumiranai muchibvumirano chekuti vakaroorana vatsva havabvumirwi kugara mumba mese panguva yekuchinja kwemhuri.
Ko kana aimbova wangu akaramba kushandira pamwe nezvibvumirano zve woonscheiding?
Kana hurukuro ikakundikana, une sarudzo nhatu: 1) Kupindirana (dzimwe nguva kunorayirwa nemutongi), 2) Kuferefeta nyaya (kort geding) kuti pave nematanho ekukurumidza enguva pfupi, kana 3) Maitiro akaomarara edare ekuparadzanisa nyaya kwekupedzisira.
Tinogona kutengesa imba here kana mumwe wedu asingadi panguva yekuzvigadzirira?
Ehe. Hapana munhu anogona kumanikidzwa kugara munhaka yemumba (onverdeeldheid) nekusingaperi (Art. 3:178 BW). Unogona kukumbira dare mvumo yekutengesa imba kana mvumo yekutsiva yekubvuma chipo chekutengesa.
Nzira: Maitiro aya anotora mwedzi 6-12.
Ndezvipi zvinozoitika kana tikasanyora zvibvumirano zvekuronga zvechibvumirano?
Unosangana nematambudziko zuva nezuva pasina rubatsiro rwemutemo, kusanzwisisana pamusoro pemari inobhadharwa zvichikonzera kusabhadhara chikwereti, mikana yekubhadhariswa mitero, uye mari yematare yakakwira zvikuru yekugadzirisa kusawirirana gare gare.
mhedziso
A woonscheiding kazhinji chinhu chinodiwa kana kuti chemari, asi hachifanirwe kuva chibvumirano chakavhurika. Njodzi dzine chekuita nemhosva, mitero, uye kugara zvakanaka kwepfungwa dzakanyanya kukwira zvekuti hazvigoneke kudzigadzirisa pasina hurongwa.
Iva nechokwadi chekuti une chibvumirano chakasimba chinofukidza zvinhu zvinomwe zvakakosha, kubva pakugoverwa kwemari kusvika pazuva rekubuda. Pari zvino uri mumamiriro ezvinhu ekuti unoramba uchigara newawaimbova naye, kana kuti uri kuronga kudaro here? Usavimba nezvibvumirano zvemuromo.
udza mashoko Law & More nhasi kuti tinyore hurongwa hwekugara pamwe chete kana chibvumirano chekurambana. Nyanzvi dzedu dzinoona kuti hurongwa hwenyu hwekugara kwenguva pfupi hahuzovi dambudziko rekusingaperi.
