Section mufurati chikwereti ari vakaroorana kurambana

Mumwe chimbi matambudziko kunobva pokufa muchato anonzi chikamu chepfuma. добавляет еще больше сложностей. Panguva kurambana Apartment mune chikwereti anowedzera zvakatowanda kunzwisisa. Mumamiriro ezvinhu ane pachake nuances ayo. Panyaya iyi, mumwe mugove yakajeka mabasa algorithm pakati rubatso chinhu kwete. . We inotevera kuita mufurati mu chikwereti kukamurwa ari kurambana.

Chakakoshera mubvunzo

Saka, dambudziko nechati chikamu mufurati - munhu mogeji. на сегодня не выработала единого подхода к вынесению решений. The jurisprudence kufambidzana nomumwe haana dzakabudirira rakabatana ainoita zvisarudzo. Saka kakawanda zviremera siyana kutora pakatarisana chisarudzo. Mamiriro rakaoma nokuti gakava kunosanganisira zvido vemapato matatu - murume, mukadzi uye chikwereti tsika. Muzviitiko zvizhinji, asi mugove mabasa zvakakomba rinokutadzisa kodzero upi webato. Somuenzaniso, mune tsika, zviitiko zvakawanda apo vaimbova naye, isina mekamuri (kana chikamu chayo) muna weboka, kumanikidzwa nguva refu zvakakwana kubhadhara chikwereti. Matambudziko kazhinji muka kubva mabhanga. Somuenzaniso, chikwereti masangano achida kutengesa nzvimbo, iyo pane kunonoka, atarisana chokuti, nedare, haichawaniki oga enzvimbo nechikwereti.

pamutemo kuzvidzora

, обуславливаются в первую очередь недостаточной правовой регламентацией этого вопроса в гражданском и семейном законодательствах. The kuoma pematanho chikamu dzokugara, akatenga mune chikwereti, zvinokonzerwa zvikurukuru kushaya pamutemo mutemo nyaya iyi yevagari uye mhuri mutemo. Court kufunga kukakavadzana zvakadaro, rinotungamirirwa zvatinopiwa of UK, iyo Civil Code uye Federal Law nhamba 102. Uyezve, kufungwa zvinhu chesungano yaakaita kubhengi. Ari kuongorora zviito izvi zvinogona kuzivikanwa zvinotevera nheyo. nharaunda Kurarama vakatodzidza vakaroora vakadzi chikwereti nzira anoonekwa sezvo yacho anorenda vawana navo. Izviwo, rinobatanidza pamutemo yakaipa. Joint pfuma inogona kupatsanurwa zvakafanana pakati vawanani, kana vamwe kuitira hakubvi pakutsvaga muchato kondirakiti. Kana kusawirirana haana basa vakanzi wakashongedzwa chinhu. Financial munataisireva vanotumirwa zvakafanana kune vakaroorana, pasinei nokuti vari co-anokwereta kana chikwereti wakabudiswa mumwe chete. Saka, nheyo "50/50". , не так просто. Zvichakadaro, mune chokwadi munhare muchikamu dzokugara, iri chikwereti, hazvina kudaro nyore. Chokwadi chokuti chinhu wakanyengwa kuti rwezvemabhengi sangano. Mukadzi, ari pamutemo varidzi haagoni pachena kurasa pfuma.

muchato chibvumirano

Kuitira kudzivisa matambudziko akasiyana-siyana, magweta vanoti kuti vaviri kupinda chibvumirano. At mumutemo iwoyo rinobvumira vanyorwa chibvumirano uye pamberi kunyoresa muchato, uye pashure pacho. Zvichakadai, pasinei zvakanakira pachena gwaro iri harina kuita zvakawanda yake (kwete kupfuura 5%). Zvinokwanisika kunyoresa zvakasiyana siyana ezvinhu. Kazhinji, chibvumirano ndiye nzira nokuda weboka pfuma, kuvharirwa yevana uye dzimwe pfungwa dzinokosha.

Inopikira nokuti bhangi

Credit Masangano vari kuedza kuva akachengeteka. . Pakuita hondo kondirakiti uye vanoita chibvumirano pamusoro weboka mufurati mu vawanani mogeji. Credit Masangano vakaramba zvatiomera takawana ruzivo yakakwana mumakakatanwa. позволяет банку минимизировать риски. The chibvumirano pamusoro weboka mufurati chikwereti anobvumira Bank kurerutsa ngozi. Most anomukweretesa Masangano vari kuedza kuita murume nomudzimai co-anokwereta. Izvi, vakawanda, zvinobatsira uye vagari pachavo. Muchiitiko chino, vanogona nokubatanidza yavanowana uye awane zvimwe zvikwereti. mabhanga akawanda anosanganisira ari chibvumirano acho yaiti kana kurambana co-anokwereta chibvumirano chibvumirano kuramba kuchinja. nguva ino chimwezve ivimbiso nokuda chikwereti chacho. Kana vagari dzinobvumirana kuti urwere ichi, akatyoka muchato, uye mumwe wavo vakazoroorwa vakaramba kubhadhara chikwereti, nokubatira zvemari zvizere achapiwa hwakatamisirwa co-anokwereta. Urongwa uhwu anodzivirira Ichokwadi chete zvinodiwa rwezvemabhengi sangano.

Options kugadzirisa dambudziko

Saka ungaderedza sei njodzi uye kuti vaite weboka pfuma? – имущество, права на которое ограничены. Apartment mu chikwereti - kodzero ipfupi. Naizvozvo, munhu co-anokwereta anogona mberi pashure pokurambana kuti kubhadhara chikwereti, kana kuti nokukurumidza kuwana chisipo mari, chokukuripa nacho mberi purogiramu. Kana chikwereti ichabviswa, Real Estate akamisa okutengesa. By pakutevedzera chinhu dzaiva co-anokwereta pekupedzisira pakati Nemutengo. Pane zvimwe zvaungaita. A co-anokwereta anogona kutengesa chinhu kusvikira vabvumirana kubhengi. Zvinonzi kufanotaura norudaviro kadhi kupfungwa pakadai zvakaoma. The Bank vangabvumirana dzaita co-anokwereta, kuti zvinoda mangwanani mutsividzo kwemutongo, sezvo pokufa muchato zvaizova mashoko huru chibvumirano, kana vanosungirwa kuramba sokubhadhara chikwereti pasina kutengesa chinhu.

Possible chiito nokuda chikwereti tsika

mabhanga mazhinji kupa kuti munotenderana Implementation chaiyo wemunda. Panyaya iyi, sangano waanodzikisira mukana asiri kubhadhara chikwereti. Mushure kuwana mvumo kubva kuwanana kuwana mutengi achida kutenga chinhu ane mutoro akadaro. Muridzi itsva awana kodzero muridzi, zvakafanira zvose rokutanga kubhadhara chikwereti nemamiriro chikwereti uwandu. Achava kumirira kusvikira kwakakwana gadziriro kubviswa encumbrances. Chete pashure kuti mutengi vachakwanisa kuwana kurudyi. Havasi purchasers zvose kubvumirana ezvinhu akadaro, nokuti njodzi dziri kumusoro. Panguva iyoyowo, zvisinei kukura kuitika Implementation yacho chinhu aimbova co-anokwereta zvinoda kuramba kubhadhara chikwereti. Zvikasadaro avo ezvinhu anogona kuderera yekudyidzana.

Bank kodzero

Credit Sangano asingagamuchiri kubhadhara pamusoro chikwereti, anogona vakazvimiririra kutengesa pfuma. Nokuti okisheni ichi rakarongwa. Kuchitaura kuti kukosha chinhu ichi nyaya achava yakaderera zvikuru kupfuura musika mutengo. Uwandu kubva pakutengeswa, mbiri mamiriro anobata wechikoro, kufarira, Zvirango, uye kufarira haisi deducted zvichidhura pakuronga okisheni. The zvasara achaitwa vakagovera pakati aichimbova co-anokwereta. Tichifunga izvi, vaviri kazhinji vanogona kuramba pasina pekugara uye pasina mari.

chinokosha

Nezvinodiwa zvinodiwa wandei kuti co-anokwereta, ruzivo weboka pfuma. формально находится во владении лиц, которые согласились на условия банка. Mufurati chikwereti pamutemo muna nhaka nevanhu vakatenderana pamusoro zvemupiro Bank. Pakati pavo - the co-anokwereta vanosungirwa kuzivisa chero kuchinja muupenyu hwavo. Nokudaro, vanofanira kuzivisa kubhengi uye kurambana.

zvinogoneka zvabuda

Kana mapato haagoni kusvika pakubvumirana, zvakakodzera kuenda kudare. Asi, sezvo zvakataurwa pamusoro, zvakajeka zvitungamirire mugumisiro enyaya hazvibviri. Dare anogona kurayira kubhangi kuita nzira akapa Real Estate, kuvandudza nechibvumirano chero co-anokwereta kana taurira Aimbova mudzimai nomurume wake kuramba kubhadhara chikwereti. Izvi handizvo zvose zvinobvira kugadzirisa dambudziko. Kana wagadzirira kuramba co-anokwereta mutsividzo of chikwereti kuti kutengesa nzvimbo mupenyu, unogona kuroorwa kuitisa Chikamu mufurati. должники очень зависимы от банка. Chikwereti chikwereti anotomirira chaizvo pamahombekombe. Saka, asati chero chinhu vachifanira kutaura chikwereti chivako kufarirwa. до официального расторжения брака, то им нужно написать совместное заявление об этом. Saka, kana munhu co-anokwereta kusarudza kupedza flat chikamu chikwereti pamberi pamutemo kurambana, vanofanira kunyora pamwe pachena kuti kushanda. Asi kunyange mumamiriro ezvinhu akadaro kunogona kuva dambudziko. Somuenzaniso, mumwe pamahombekombe anogona kuramba co-anokwereta. Credit sangano haagoni kuronga uwandu mari mumwe ngava, izvo vaizobva vanosungirwa kuita sezvo yakazvimirira sangano. невозможен по техническим причинам. Zvinogona kuitika kuti chikamu mufurati mune chikwereti hazvibviri kuti michina zvikonzero. Somuenzaniso, inoitwa imwe kamuri, uye haukwanisi sarudza mugove. Kunyange zvakadaro, co-anokwereta anogona kushora Mutongo chikwereti chacho.

An nzira nzira

Sei munhu anogona here kupedza weboka pfuma vawanani? переоформляется на одного из них, а второй безвозмездно или за определенную сумму отказывается от прав на недвижимость. Mufurati chikwereti reissued imwe wavo, uye wechipiri pachena kana kuti imwe mari disclaims pfuma. Panyaya iyi, kutanga anotora mutoro kuramba kubhadhara chikwereti. Kana kubhangi inogutswa co-anokwereta kuti solvency, ekupedzisira anogona kunyora imwe kuchinjwa kurudyi pachayo mumuviri mvumo. Kazhinji, bhengi anotora vachibhadharisa pakuchinja yokuvandudzwa chesungano (0.5-1% hunonyanya chikwereti).

Section zvehondo mogeji furati

The muitiro kunoratidzwa ndechokuti nokubatira nokuti munataisireva zvavakatemerwa kwete vagari uye pamusoro Bazi Defence. Senhengo zvirongwa chikwereti, uyewo muridzi, anoshanda mushandi, pasinei aiva nemhuri. не требует участия жены/мужа. Nezvenyaya iyi, chikamu sandara pakati chikwereti hakurevi kutora chikamu womukadzi / murume. Ekupedzisira hadzina mumabasa dzimwe nguva. Somuenzaniso, ari default kana zvimwe kutyorwa kuri chikwereti chibvumirano musengwa kubhadhara chikwereti iri basa chete mushandi.

The muchato chaiyo

. Takurukura pamusoro chikamu pakati kuwanana mufurati. , между тем, может быть оформлена и сожителями – лицами, состоящими в "гражданском" браке. Mortgages, Zvichakadai, inogona azviveza uye vakomana - vanhu vari "vehurumende" muchato. Sezvaunoziva, regai kushandisa nyaya dzakadaro mugadziriro muUK. Kana murume nomukadzi vakanga vasina kupinda chibvumirano chakanyorwa, mukamuri inoramba iri airehwa chikwereti wakabudiswa huru mukana. Chokwadi, haasi munhu wose ari kugutsikana, senzira agadzirise mutoro zviri zvoga. Muzviitiko zvakadaro, vanofanira kuratidza vagari kubatanidzwa vachibhadhara. Kuti aite izvi, unofanira kupa magwaro achisimbisa mhosva. Zvingava risiti, nhoroondo mashoko, pakutengeserana uye zvichingodaro. Saizvozvowo, vanofanira kuita uye kana uchida kuratidza Joint kugadzira kana kutenga zvinodhura midziyo yemagetsi. Zvinokurudzirwa kuendesa nyaya gweta anokwanisa.

Chikwereti vasati varoorana

Sezvinotaurwa muna UK, zvose kuti inogona kuwanwa panguva pamutemo muchato, zvakajairika. Kana chinhu chakanga vawana vasati varoorana, pachirehwa munhu kodzero. Asi mutemo mhuri ine nhamba ndishushikane. Zvikurukuru, maererano nemitemo, aichimbova mumwe kodzero kugoverana mufurati, kana zvikwereti zvemba vakaitwa pamwe kunyange pamberi vanyorwa ukama. The zvinodiwa mune iyi vanogona kubereka uye akaputsika mugari. Mari nemumwe munhu mumamiriro ezvinhu akadaro ichakurukurwa zvakajairika. Kazhinji kusawirirana vakatsunga muchifarira rovha munhu.

Housing muchivako chitsva

Mamiriro chete chikamu dzokugara mukuvaka pasi kuvakwa zviri nani kunzwisisa. Maererano nemitemo, ivo vaiva vapenyu nzvimbo inogona rakapa chete pashure vachiisa kushanda zvivako. In tsika, pane zvinogoneka nezvezviitiko zviviri:

1. Kana anokwereta iyi, zvichaita wokuparadza muchato, zvichava vanosungirwa varipe kuti murume / mukadzi. In richisvika Chisarudzo ichi, dare inorangarira chokwadi munhu kwemajoini kuripwa chikwereti. Zvisinei, zvikuru mune izvi ndiko kuva zvose kukwanisa gweta.
2. Kana anokwereta akaroorana risiti ari rugwaro, dare achaita hake kuti govera mugove dzokugara pamberi kurambana.

Kana mumwe aimbova co-anokwereta Achinzvenga mubhadharo

Zvokuita panyaya iyi? Pakadaro, kadhi sangano achimutsiridza chesungano iri kutenga simba aimbova naye. Nyaya yechipiri iyi akabvisa mitoro yose. Asi dzokera anorasikirwa nomukana Usamira mugove mhenyu nzvimbo. Mune zvimwe zviitiko, kukundikana rimwe co-anokwereta anogona pfuura 3 months., Asi haadi kurega kodzero dzavo. Mumamiriro ezvinhu akadaro, kuti vagadzirise dambudziko nenzira mbiri:

1. Chikwereti co-anokwereta anotsiva ari solvent.
2. The Bank zvokurimisa nhumbi, uye yacho vakatuma nhoroondo muripo.

Kazhinji, kadhi sangano kutengesa mufurati pane imwe kuderedzwa mutengo anenge akaenzana chikwereti chikuru. Izvi zvinooneka ukurumidze muitiro.

Mortgage vari kurambana nevana

The mitemo prescribes chero zviito chokuita mhuri pfuma, kufungawo zvinodiwa nevana. Kubva musi mutemo uyu, Somuenzaniso, funga gakava, achitora kuMudzidzisi sarudzo. In weboka redzimba chikwereti mugove vana chero zvazvingava, zvichava akapa kune mumwe naye ivo kugara. Kana akafunga kutengesa imba, uye vakanyorwa chiduku, zvakakodzera taurira fanira. Zvikasadaro, mamiriro vangafarira miviri kuitarisira uye trusteeship.

Akabvarura mogeji Housing

Mune zvimwe zviitiko, vawanani vachisarudza mumaoko chikwereti dzokugara risi. Zvinofanira kucherechedzwa kuti zviito zvakadaro pamutemo. Chokwadi chokuti mufurati inochengeterwa kubhengi ukuwo, ari kuremedzwa. Kana mamiriro ezvinhu akaoma, uye co-anokwereta haana mari yakakwana kubhadhara chikwereti, ipapo, kuti zvakaitika vapenyu nzvimbo rendi, vanofanira kuwana mvumo yacho zvemari mamiriro.

mhedziso

Kurambana kazhinji achiperekedzwa dzakasiyana-siyana matambudziko. Kazhinji, munhu kurambana - hazvifadze chaizvo nzira, sezvo chokuita kwete chete AUNOITA asi pfuma zvido. Kazhinji, vanhu pedyo vaimbova ndivo vavengi chaivo. Zviri pachena kuti munhu wose anoda kuti vazvidzivirire. Vagari, zvichiita panze chikwereti, ave mutemo, hazvirevi kureva kuvapo chero matambudziko mune ramangwana. Asi muupenyu chinhu chinogona kuitika. Naizvozvo, magweta akakurudzira uzvidzivirire ramangwana, kusaina wokuroorana kondirakiti. Gwaro iri tichadzivisa matambudziko akawanda, ponesai tsinga dzako, nguva uye mari. chibvumirano The muchato inofanira vanopupurirwa ne- gweta, iro rinopa pamutemo mugumisiro kwairi. Kana kusawirirana uchiripo, uye vanofanira kuchinja kuti kudare, gwaro uchava husingarambiki hwokuti mhosva.