Rudo rutsva, zvikwereti zvekare: njodzi dzako dzepamutemo pasi pemutemo weDutch

Chikwereti chawaiva nacho nemumwe wako musati mava nehukama hwenyu chinoramba chiri chikwereti chako. Pasi pemutemo weDutch unotofanira kuchibhadhara chete kana ukachisaina, kuchivimbisa kana kuchibhadharazve nemazita ese ari maviri, kana kuburikidza nechikwereti chakabatana uye chakasiyana icho Chikamu 1:85 cheBurgerlijk Wetboek (Civil Code) chinoisa kune vakaroorana nevakaroorana vakanyoreswa pamari yemumba. Chinochinja nguva yamunogara pamwe chete hachisi chekuti ndiani ane chikwereti chemari asi chinogona kuwanikwa nemukweretesi: account yebhangi yakabatana, zvinhu zvinowanikwa mumba mese, uye kugona kwechikwereti kwamunoita semurume nemukadzi.

Mubvunzo wechipiri wakakoshawo uye unowanzo bvunzwa kunonoka: chikumbiro chekare chichiri kushanda here? Nguva dzekuganhurira dzeDutch ipfupi, uye chikumbiro chapera hachigone kushandiswa kuburikidza nematare, asi mitemo yekumisa nyaya iri nyore kutanga netsaona, uye kubhadhara kamwe chete kwakaitwa kuchengetedza rugare kunogona kumutsiridza chikumbiro chakanga chatofa. Chinyorwa chino chinotsanangura mativi ese: kuti chikwereti chemumwe wako chinogona kusvika papi kwauri, uye kuti ungaziva sei kana chikwereti chichiripo pamutemo.

Chikwereti chekare chemumwe wako chingava chako here?

Tanga nechimiro chehukama, nekuti mitemo yacho inosiyana zvakanyanya. Vanhu vanogara pamwe chete vasina kuroorana havana mhosva yepamutemo yechikwereti chemumwe nemumwe. Mutoro unongowanikwa chete kana wafunga: chibvumirano cherendi kana chemagetsi mumazita ese ari maviri, chikwereti chakasainwa pamwe chete, garandi, kana chikwereti chemari yemba. Uyu mutemo unokurudzira, uye ndosaka ruzivo rwezvamunosaina mumwedzi yekutanga yekugara pamwe chete ruchikosha kupfuura chero chimwe chinhu chiri muchinyorwa chino.

Vakaroorana nevakaroorana vakanyoreswa vari munzvimbo yakasiyana pane imwe pfungwa. Chinyorwa 1:85 cheCivil Code chinoita kuti mumwe nemumwe wavo ave nemhosva pamwe chete uye mumwe nemumwe pachikwereti chakaitwa nemumwe wake chekushanda kwemhuri: kutenga kwevhiki nevhiki, bhiri remagetsi, mbatya dzevana, chiremba wemhuri. Zvikwereti zvinowira kunze kwemhuri yakajairika, nezvikwereti zvebhizinesi, hazvisunge mumwe wake. Zvakakosha kuziva kuti mhosva iyi inogona kubviswa mune ramangwana negwaro re notarial rakanyoreswa murejista yepfuma yemuchato yeruzhinji, kunyangwe mukuita kwayo risingawanzo shandiswa.

Muchato pachawo hauchasanganisi zvese. Kubva musi wa1 Ndira 2018, muchato kana hukama hwakanyoreswa hwakaitwa pasina zvibvumirano zvemuchato hunogadzira mubatanidzwa wakaganhurirwa wepfuma: izvo mumwe nemumwe wavo atove nazvo, uye izvo mumwe nemumwe atove nechikwereti, zvinoramba zviri zvepachivande, sezvinoita zvipo nenhaka. Zvikwereti zvakaunzwa nemumwe wako mumuchato zvinoramba zviri zvemunhu. Chinodiwa ndechekuti mukweretesi ane chikwereti chakadaro anogona zvakare kudzoserwa kubva mumidziyo yemunharaunda, uye muchiitiko ichi mumwe nemumwe anogona kuda kuti midziyo yemunhu ane chikwereti itange yashandiswa uye ane kodzero yekuripwa kubva munharaunda. Kana mukaroorana musina zvibvumirano zvemuchato mumwe wenyu aine zvikwereti zvakakura, ndiyo nzira inorwadza, uye ndiyo chikonzero chekunyora zvamakaunza mumwe nemumwe wenyu. Ongororo yedu yepfuma mukati nepashure pemuchato inotsanangura zvakadzama maitiro acho.

Imwe nzira yekudzivirira inodarika imwe nzira uye iri nyore kufuratira. Chinyorwa 1:88 cheCivil Code chinoda mvumo yakanyorwa yemumwe murume kana mukadzi akanyoreswa yevimbiso kana chibatiso chinopihwa kunze kwemaitiro ebhizinesi, uye yechikwereti chemba yemhuri. Kana mumwe wako akapa vimbiso yekambani yeshamwari yako pasina mvumo yako, unogona kuidzima. Ramba uchifunga nezvepfungwa iyi usati wasaina fomu rekubvumidza rausina kuverenga.

Chikwereti chekare chinononoka riini?

Nguva dzekuganhurira dzeDutch dzakapfupika kupfuura zvinotarisirwa nevanhu vazhinji, uye dzinosiyana zvichienderana nerudzi rwechikumbiro. Mutemo wekuti chikumbiro chiite chibvumirano makore mashanu, kubva pazuva rinotevera zuva iro chikumbiro chakatanga kubhadharwa uye chaifanira kubhadharwa. Zvikumbiro zvemari inobhadharwa negore kana muzvikamu zvipfupi, zvakaita serendi, mubereko uye zvikamu pasi pechibvumirano chechikwereti, zvinoperawo mushure memakore mashanu kubva pazuva rinotevera zuva iro chikamu chimwe nechimwe chakatanga kubhadharwa. Chikumbiro chekuripa mari chinopera makore mashanu mushure mezuva rinotevera zuva iro munhu akakuvara akaziva nezvekukuvadzwa uye munhu ane mhosva, uye chero zvodini makore makumi maviri mushure mechiitiko chakakonzera.

Mitemo miviri yakakosha inoita basa rakawanda. Pasi pechinyorwa 7:28 cheCivil Code, chikumbiro chemutengesi chemutengo wekutenga mukutengesa kwevatengi chinopera mushure memakore maviri, icho chinofukidza zvikwereti zvakawanda zvepawebhu, zvemafoni nezvitoro, uye Dare Repamusorosoro rakawedzera nguva pfupi iyoyo kusvika pachibvumirano chechikwereti chakabatana zvakakwana nekutengesa kwakadaro. Uye kana mukweretesi awana mutongo, mufananidzo unoshanduka: simba rekusimbisa mutongo rinopera mushure memakore makumi maviri, nepo mari dzinofanira kubhadharwa nguva nenguva pasi payo, dzakadai semubereko wekushanda, dzinopera mushure memakore mashanu. Saka mubvunzo wekutanga wekubvunza nezvefaira rekare hausi kuti ingani iri kukumbirwa asi kuti dare rakambotonga here pairi.

Zvimwe zvikumbiro zvinotevedzera maitiro azvo. Zvikwereti zvemitero, kubhadhara mari yakawanda yerubatsiro uye faindi dzekutonga zvinotongwa nemutemo weveruzhinji kwete neCivil Code, nenguva dzazvo uye nzira yazvo yekumanikidza, uye vane masimba emitero vanogona kusimbisa vasina kutanga vawana mutongo. Musashandise mutemo wechibvumirano wemakore mashanu kune tsamba inobva kuBelastingdienst.

Chii chinogadzirisa wachi

Nguva yekuganhurirwa inokanganiswa nezvinhu zvitatu, uye mushure mekuganhurirwa nguva itsva inotanga. Yekutanga inyaya yepamutemo: kupa samani kana chimwe chiito chekupomera mhosva. Yechipiri iziviso yakanyorwa kubva kumukweretesi iyo inochengetedza kodzero yayo yekuita basa, pasi pechikamu 3:317 cheCivil Code; chikumbiro chinongokumbira muripo pasina kodzero yekuchengetedza hachina kukwana, asi tsamba zhinji dzehunyanzvi dzinonyorwa kuti dzigutse bvunzo. Yechitatu, uye ine njodzi, kubvuma kwemukweretesi.

Kubvuma hakudi gwaro repamutemo. Kubhadhara chikamu, muripo unoitwa pasi pechirongwa chekubhadhara, kubviswa kwemuhoro kunogamuchirwa pasina kuratidzira, email ichikumbira nguva yekubhadhara, kana chikumbiro chehurongwa hwekubhadhara zvese zvinogona kuverengwa sekubvuma chikwereti, uye chimwe nechimwe chinotanga nguva itsva. Ndokusaka zano rinonyanya kukosha muchikamu ichi riri rekusimbisa usati wataurirana: bvunza muunganidzi wekondirakiti, ma invoice, magwaro ebasa uye humbowo hwezuva rekukanganiswa kwekare, uye kusvika wava naro, nyorerana netsamba uye usingabvume mhosva. Usabhadhara zvakanaka pachikumbiro chausina kusimbisa.

Mutoro wekuratidza kuti pane kukanganiswa kwenyaya uri pamukweretesi. Kana muunganidzi akataura kuti tsamba yakatumirwa mugore rakati, anofanira kuiburitsa. Kana faira racho rapfuura nemasangano akawanda ekuunganidza, humbowo hunowanzoonekwa husina kukwana, uye ndizvo chaizvo zvinoita kuti chikumbiro chekare chisashande.

Chikwereti chisina nguva hachingonyangarika chete

Migumisiro miviri yekupedza basa inowanzonzwisiswa zvisizvo. Chekutanga ndechekuti dare harigone kushandisa muganho wezvarakaita: mukwereti anofanira kuzvidaidza. Kana ukashevedzwa ukasauya, kana ukasauya ukasataura pfungwa yacho, mutongo unogona kupiwa pachikumbiro chakarambidzwa, uye kana paine mutongo unenge uchibata nesimba remakore makumi maviri rekumanikidza. Saka kusateerera magwaro edare ndiyo mhinduro yakaipa zvikuru kune chikwereti chekare.

Chechipiri ndechekuti kupera kwemari kunoshandura chisungo ichi kuita chisungo chechisikigo pane kuchidzima. Mukweretesi haachakwanisi kuchisimbisa, asi kana ukabhadhara zvakadaro haugone kudzosa mari yacho nechikonzero chekuti hauna kusungirwa kubhadhara. Ndiyo imwezve chikonzero chekusabhadhara usati waongorora basa racho. Kambani yekuunganidza mari ine kodzero yekuramba ichikukumbira kuti ubhadhare chikwereti chisina nguva, chero bedzi isingatyisidzire kuti chisimbiswe chaisingakwanise kutevedzera zviri pamutemo; tsamba haisi humbowo hwekuti chikumbiro chacho chinogona kusimbiswa.

Mari iyo kambani inounganidza mari inogona kubhadharisa

Mari yekutora chikwereti kunze kwedare inotongwa. Kune chikwereti chemutengi, inogona kutorwa chete mushure mekunge mukweretesi atumira tsamba yemazuva gumi nemana inotevedzera mitemo: chiyeuchidzo chakanyorwa chichitaura mari yekutanga inofanira kubhadharwa, ichipa nguva yakazara yemazuva gumi nemana akaverengwa kubva pazuva rakatumirwa tsamba, ichinyevera kuti mari yekutora chikwereti ichawedzerwa kana muripo usina kuitwa mukati menguva iyoyo, uye ichiratidza huwandu hwemari iyoyo. Kana tsamba iyoyo isina kumbotumirwa, kana kuti yakanga isina kukwana mune chimwe chezvinhu izvozvo, mari yekutora chikwereti haina chikwereti uye unogona kubhadhara mari yekutanga chete. Mari yacho pachayo inogadziriswa nemutemo wepamutemo pachikero chinotsvedza chakaverengerwa pamari yekutanga, nemutengo wepasi wepamutemo, uye haigone kuverengerwa pamusoro pemubereko kana pamusoro pemari yapfuura.

Mitemo mitatu inoshanda inotevera. Mari imwe chete inogona kubhadhariswa chikwereti chimwe chete, zvisinei, masangano mazhinji ekuunganidza mari akatobata faira racho. Kana muchengeti wemhosva apedza kutonga, muripo wemutemo unoshanda uye mari yekutora chikwereti pamberi pedare haifanirwe kubhadhariswa zvakare pamusoro payo. Uye une kodzero yekupa gwaro rakanyorwa richiparadzanisa mari yechikwereti, mubereko nemutengo unoshanda nenguva, nemari. Kumbira nekunyora, nekuti mari yasara iri nyore kupokana nayo pane kuidzosera.

Kana muchengeti wemari akaonekwa

Mutongi wedare (gerechtsdeurwaarder) mushandi wehurumende uye anogona chete kusimbisa mutemo zvichienderana nemagwaro ebasa, anowanzo pihwa mutongo kune ane chikwereti, kana gwaro rekuuraya rakapihwa nesangano rekutonga rakaita seremitero. Chinhu chekutanga chaunofanira kukumbira igwaro rebasa uye humbowo hwebasa. Pasina rimwe, uchiri kubata nekutora mari kwakajairika uye zvikamu zvekare zvinoshanda.

Nezita remutero, marudzi matatu emutemo akakosha. Kubatanidzwa pasi pebato rechitatu, kunopihwa kune mushandirwi, sangano rezvibatsiro kana bhangi, ndiko kunonyanya kushanda; kana mari yakabatanidzwa, muchengeti wemari anofanira kutevedzera mutemo wekuti, mari shoma yakachengetedzwa, iyo kubva pakushandurwa kwakatanga kushanda musi wa1 Ndira 2021 inoverengerwa otomatiki kubva padata repamutemo. Kubatanidzwa kwepfuma inofambiswa mumba ndekwechipiri. Pano chinzvimbo chemubatsiri mutsva chinova chakajeka: muchengeti wemari anogona kubatanidza zvinhu zvakawanikwa mumba mune chikwereti, uye zviri kumuridzi kuti aone kuti hazvisi zvinhu zvine chikwereti. Chengeta ma invoice, kutumirwa kwebhangi uye zvinhu zvine musi zvakasainwa nemi mese; munhu wechitatu ane zvinhu zvakabatanidzwa anogona kupikisa kubatanidzwa pamberi pedare. Chechitatu kubatwa kweimba pachayo, iyo mukuita inotevera chiito chemukweretesi kwete muchengeti wemari.

Muchengeti wemhosva haafanire kumanikidza kupinda mumba nemvumo yake: izvi zvinoda mvumo yemugari kana mvumo kubva kuKantonrechter, uye mapurisa anofanira kunge aripo. Panewo mukana wekupikisa: kumanikidza kunogona kumiswa mumatanho mapfupi apo dhizaini isina kunaka, apo munhu asiri iye ari kuteverwa, kana apo kumanikidza mumamiriro ezvinhu kunoreva kushungurudzwa kwekodzero. Zvikumbiro izvozvo zvinokurumidzira, saka tevera zano zuva rimwe chete pane vhiki rinotevera. Kana chikumbiro chekukuvadza chiri seri kwefaira, peji redu rekukumbira kukuvadza rinotsanangura kuti chikumbiro chakadaro chinosimbiswa sei, uye magweta edu emhosva anoongorora kana mhosva iripo zvachose.

Dziviriro inoshanda kana muchigara pamwe chete

Matanho anoshanda haana kunaka uye anofanira kutorwa tisati tamanikidzwa. Nyora kuti ndiani muridzi wechinhu. Chinyorwa chine musi chakasainwa nevaviri, chinochengetwa pamwe chete nema invoice uye mari yakatumirwa kubhangi yakabhadhara zvinhu, ndicho gwaro rinomisa hurukuro pamusuwo wepamberi. Chengetedza bhangi rakasiyana: maakaundi emunhu ega ega emari inowanikwa nemunhu mumwe nemumwe, uye kana uchida account yekubatana yemari inobhadharwa pamwe chete, ichengete isina overdraft woibhadhara mwedzi wega wega, nekuti mukweretesi wemumwe anogona kubatanidza mari yese yasara uye mumwe wacho anofanira kuratidza kuti yaive yake.

Iva nepfungwa dzakadzama nezvezvibvumirano. Kana mumwe munhu aine nhoroondo yekusabhadhara chikwereti, kuisa chikwereti cherendi, chibvumirano chemagetsi uye kunyoreswa kwefoni mune rimwe zita chete igadziriro yepamutemo; kuwedzera mumwe munhu semushandisi pane kuva mumwe munhu ane chikwereti naye hakusi kunzvenga, hakusi kungogadzira mutoro mutsva. Pamusoro pezvose, usasaina pamwe chete, usavimbise uye usabhadharazve chikwereti chekare chemunhu muchikwereti chemubatanidzwa. Kudzosera mari yako ndiyo nzira inonyanya kushandiswa iyo chikwereti chemumwe munhu chinova chikwereti chevaviri, uye hazvichinjiki.

Chibvumirano chekugara pamwe chete chakagadzirwa negweta chinokodzera mutengo kana mava nemba imwe chete kana kuti mortgage. Chinonyora pfuma yakasiyana, kuti mari dzemhuri dzinogovaniswa sei, zvinoitika kumba kana mukaparadzana, uye zvamakabhadhara mumwe nemumwe wenyu. Kana mukaroorana kana kupinda muhukama hwakanyoreswa, zvibvumirano zvepamberi pewanano zvinoita basa rimwe chete uye zvinogonawo kuitwa panguva yehukama. Cherechedza musiyano uripo pakati pekuronga nyaya dzenyu nekukunda mukweretesi: kutamisa pfuma kumudiwa wako mutsva pasina muripo apo mukweretesi ari pamusuwo chiito chekuzvipira chinokanganisa mukweretesi iyeye uye chinogona kubviswa kuburikidza ne actio pauliana, nepfuma ichidzokera kupfuma. Muganho uripo pakati pekuronga zviri pamutemo nekuchinjisa kunogona kurwiswa unodhirowa munyaya yedu pamusoro pekuchengetedzwa kwepfuma muNetherlands , uye kana bhizinesi rikabatanidzwawo, muchinyorwa chedu pamusoro pebhizinesi remhuri . Usati wasaina chero chinhu chinoiswa pamberi pako nemumwe wako, verenga cheki yedu yekuti ungasaina sei chibvumirano uye kudzivirira nyaya dzemutemo dzakavanzika.

Kukwereta pamwe chete uye kunyoresa chikwereti

Kana chikwereti chemhuri chakabatana kana chikwereti chekugovana chiri pedyo, tanga watarisa kunyoreswa kwechikwereti. Vanopa zvikwereti vekuDutch vanoshuma zvikwereti, makadhi echikwereti, chikwereti chepositi uye zvikwereti zvechikwereti kuStichting BKR, uye mukweretesi anoongorora chikumbiro chemhuri anotarisa vese vari vaviri vanonyorera. Mumwe nemumwe anogona kukumbira ongororo yake kubva kuBKR uye kutarisa zvese zviri mufaira riri pasi; kodhi isingaenderane nechokwadi inofanira kukakavadzana nesangano rakainyoresa, nekuti BKR pachayo inongonyora zvinoshumwa nemukweretesi.

Kunyoresa kwakarurama kunogona kubviswa mune dzimwe nguva. Nekuti kunyoresa kuri kugadzirisa ruzivo rwemunhu, chikumbiro chekudzimwa kana kupikiswa chinoongororwa pasi peGeneral Data Protection Regulation: kufarira kwepamutemo kwehurongwa hwechikwereti mukudzivirira kukwereta zvakanyanya kunoyerwa zvichienderana nezvido zvemunhu akanyoreswa, uye mhedzisiro yacho inoenderana nekuenzana kwenyaya yega yega, kusanganisira kana chikwereti chakabhadharwa, kuti chakamuka kare kare uye kuti kunyoresa kwacho kwakakonzera dambudziko ripi izvozvi. Dare Repamusorosoro rakasimbisa kuti chikumbiro chakadaro chinogonawo kuunzwa mumatanho mapfupi, izvo zvinonyanya kukosha kana chikumbiro chemba chine nguva yekupedzisira. Kunyoresa kunochengetwa kwenguva yakatarwa mushure mekunge chikwereti chagadziriswa, saka nguva yekukumbira mushure mekunge nguva iyoyo yapera inowanzo kuve nyore pane kumhan'ara.

Zvikwereti zvinobva kunze kwenyika

Chikwereti chekare chinobva kune imwe nyika chinomutsa mibvunzo miviri yakasiyana. Chekutanga ndechekuti chikumbiro ichi chinoshanda here uye chichiri kushanda pasi pemutemo unochitonga, uyo wekondirakiti yemutengi unowanzova mutemo wenyika inogara mutengi, uye ndeupi unosarudza nguva yekugumira. Chechipiri ndechekuti chinogona kushanda here pano. MuEuropean Union mutongo unobva kune imwe nyika iri nhengo unocherechedzwa uye unosimbiswa muNetherlands pasina nzira yakasiyana, pakugadzirwa kwegwaro kubva kudare rekwakabva, uye EU inopawo murairo weEurope wekubhadhara uye nzira diki yekukumbira zvikwereti iyo mukweretesi wekune imwe nyika anogona kushandisa zvakananga. Kunze kweEU hapana kusimbiswa otomatiki: kunze kwekunge chibvumirano chichishanda, mukweretesi anofanira kuunza nyaya itsva muNetherlands, umo dare reDutch rinowanzo shanda kusarudzo yekunze kana dare rekunze raive nesimba pasi rose, nyaya dzacho dzaive dzakarurama uye kuzivikanwa hakupesani nehurongwa hweveruzhinji hweDutch.

Nyevero mbiri dzinoshanda. Vatengi vanobatsirwa nemitemo yekudzivirira muEU: semutemo mutengi anogona kungomhan'arirwa kumatare enyika iri nhengo kwaanogara, saka kukumbira kudare rekunze kwakakodzera kuongororwa pane kuregeredzwa. Uye kubvuma kunopiwa kunze kwenyika kunogona kukanganisa muganho sewakapihwa pano, saka mutemo wekusabvuma mhosva paunenge uchisimbisa unoshanda nesimba rakaenzana kune tsamba dzinobva kumuunganidzi wekune dzimwe nyika.

Kana zvikwereti zvisingabhadharwe zvechokwadi

Kana zvikwereti zvemumwe wako zviri zvechokwadi, zvinogoneka kushanda uye zviri kunze kwesimba rake, mhinduro haisi yekuvanza asi nzira yekubuda nayo. Danho rekutanga inzira yerunyararo kuburikidza nekanzuru, iyo ine basa repamutemo rekupa rubatsiro rwechikwereti uye inogona kutaurirana nezvekugadzirisa chikwereti nevanokweretesa. Kana izvozvo zvikakundikana, dare rinogona kubvumidza mukwereti kuchirongwa chepamutemo chekugadzirisa chikwereti chevanhu, icho kubva musi wa1 Chikunguru 2023 chinogara kwemwedzi gumi nemisere uye chinopera, kana zvisungo zvatevedzerwa, muchikwereti chisina muripo wechikwereti chasara.

Kubvuma chikwereti kunoda kuti dare rigutsikane kuti mukwereti akaita nekutenda kwakanaka maererano nekupinda nekusabhadhara zvikwereti mumakore mashanu apfuura. Ndosaka muedzo wekutamisa midziyo kana kutora chikwereti chitsva muzita remumwe wako uchikuvadza zvikuru: zvinogona kuvhara nzira chete yekubuda nayo. Kune mumwe wako mutsva, chinhu chinoshanda ndechekuti chirongwa cherudzi urwu chine chekuita nezvikwereti zvemumwe wako nemari inowanikwa nemumwe wako, kwete yako, chero bedzi mari yacho yakachengetedzwa zvakasiyana uye pasina zvisungo zvakabatana zvakagadzirwa.

sei Law and More anogona kubatsira

Law and More inopa mazano kuvanhu nevakaroorana panyaya idzi: kana chikumbiro chekare chichiri kushanda, kana kukanganiswa kunonzi kwakamira, kana mari yekutora mari yakabhadharwa nemazvo, mapinduriro emumiriri wedare uye mapikisiro ekubatanidzwa, uye marongero echibvumirano chekugara pamwe chete kana chibvumirano chepamberi pewanano kuitira kuti chinzvimbo chemumwe nemumwe chive pachena dambudziko risati ramuka. Isu tinoshandawo tichimiririra vanokweretesa, zvinoreva kuti tinoziva kuti rimwe divi rinovaka sei faira raro. Kana wagamuchira chikumbiro, kukumbira kana chiziviso chekubatanidzwa, kana kuti wava kuda kusanganisa mari yako nemumwe wako ane nhoroondo yechikwereti, unogona kusvika kuchikwata chedu kuburikidza Website yedu.