Uqhawulo mtshato sesona siganeko siphambili kuwo wonke umntu. Kungenxa yoko le nto amagqwetha ethu oqhawulo-mtshato ekhona ukuze akucebise. Inyathelo lokuqala lokuqhawula umtshato kukuqesha igqwetha lomtshato. Uqhawulo-mtshato lubhengezwa yijaji kwaye ligqwetha kuphela elinokufaka isicelo soqhawulo-mtshato kunye nenkundla. Kukho imiba eyahlukeneyo yezomthetho kwiinkqubo zoqhawulo mtshato ezigqitywa yinkundla. Imizekelo yale miba yomthetho…
FUNA UNcedo?
SICELA UQHAGAMSHELWANO NAMALUNGA EZOBUCHULE Bethu
Ummeli woqhawulo-mtshato
Uqhawulo mtshato sesona siganeko siphambili kuwo wonke umntu.
Kungenxa yoko le nto amagqwetha ethu oqhawulo-mtshato ekhona ukuze akucebise.
Imenyu ekhawulezayo
Inyathelo lokuqala lokuqhawula umtshato kukuqesha igqwetha lomtshato. Uqhawulo-mtshato lubhengezwa yijaji kwaye kuphela ligqwetha elinokufaka isicelo soqhawulo-mtshato kunye nenkundla. Kukho imiba eyahlukeneyo yezomthetho kwiinkqubo zoqhawulo mtshato ezigqitywa yinkundla. Imizekelo yale miba yezomthetho yile:
• Zahlulwe njani ii-asethi zakho ezidibeneyo?
• Ngaba umntu owayesakuba liqabane lakho unelungelo kwinxalenye yepenshini yakho?
• Zithini iziphumo zerhafu kuqhawulo-mtshato lwakho?
• Ngaba iqabane lakho linelungelo lenkxaso yomlingane?
• Ukuba kunjalo, yimalini yesondlo?
• Kwaye ukuba unabantwana, kucwangciswa njani ukunxibelelana nabo?
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Isinyathelo-nge-nyathelo sicwangcise kumagqwetha ethu oqhawulo-mtshato
Xa unxibelelana nefemu yethu, elinye lamagqwetha ethu anamava aya kuthetha nawe ngqo. Law & More iyazahlula kwezinye iifemu zomthetho kuba ifemu yethu ayinayo iofisi yoonobhala, eqinisekisa ukuba sinendlela emfutshane yokunxibelelana nabaxumi bethu. Xa uqhagamshelana namagqwetha ethu ngomnxeba ngokunxulumene noqhawulo-mtshato, baya kuqala bakubuze imibuzo eliqela. Siya kuthi ke sikumemele kwiofisi yethu e-Eindhoven, ukuze sikwazi ukuba sikwazi. Ukuba unqwenela, ukutyunjwa kunakho ukwenziwa ngomnxeba okanye kwinkomfa yevidiyo.
Intlanganiso yokwazisa
• Ngethuba lokuqeshwa kokuqala ungalibalisa ibali lakho kwaye siza kujonga imvelaphi yemeko yakho. Amagqwetha ethu oqhawulo mtshato nawo aya kubuza imibuzo eyimfuneko.
Siza kuthetha ke nawe ngamanyathelo athile ekufuneka ethathiwe kwimeko yakho kwaye sizobe oku ngokucacileyo.
Ukongeza, kule ntlanganiso siza kubonisa ukuba inkqubo yoqhawulo-mtshato ijongeka kanjani, ungalindela ntoni, inkqubo iya kuthatha ixesha elingakanani, ngawaphi amaxwebhu esiya kuwadinga, njl.
• Ngale ndlela, uya kuba nombono olungileyo kwaye wazi ukuba kuza ntoni. Isiqingatha seyure sokuqala sale ntlanganiso simahla. Ukuba, ngexesha lentlanganiso, uthatha isigqibo sokuba ungathanda ukuncediswa lelinye lamagqwetha wethu onamava oqhawulo-mtshato, siya kubhala ezinye zeenkcukacha zakho ukuze senze isivumelwano sengxoxo.
Ngaba ufuna igqwetha?
Inkxaso yomntwana
Ukuqhawula umtshato kunempembelelo enkulu ebantwaneni. Ke ngoko, sinamathisela ixabiso elikhulu kwimidla yabantwana bakho
Cela uqhawulo mtshato
Sinendlela yobuqu kwaye sisebenza kunye kunye nawe ukuya kwisisombululo esifanelekileyo
I -onyony yeqabane
Ngaba uza kuhlawula okanye wamkele i -onyony? Kwaye malini? Sikhokela kwaye sikuncede ngale nto
Phila ngokwahlukileyo
Ngaba ufuna ukuhlala ngokwahlukileyo? Siyanceda
Isivumelwano somsebenzi
Emva kwentlanganiso yokuqala, uya kufumana kwangoko isivumelwano sesabelo kuthi nge-imeyile. Esi sivumelwano sithi, umzekelo, siya kukucebisa kwaye sikuncede ngexesha loqhawulo-mtshato. Siza kukuthumelela nemigaqo nemiqathango esebenza kwiinkonzo zethu. Ungasayina ngokwamanani isivumelwano sokunikezelwa.
emva
Ukufumana isivumelwano esisayiniweyo sesabelo, amagqwetha ethu anamava oqhawulo mtshato aza kuqala ukusebenza kwityala lakho. Nge Law & More, Uya kwaziswa ngawo onke amanyathelo athatyathwa ligqwetha lakho loqhawulo-mtshato. Ngokwendalo, onke amanyathelo aya kuqala alungelelaniswe nawe.
Ngokwenza oko, inyathelo lokuqala lihlala lithumela ileta kwiqabane lakho kunye nesaziso soqhawulo mtshato. Ukuba sele enalo igqwetha loqhawulo-mtshato, le leta ibhekiswa kwigqwetha lakhe.
Kule leta sibonisa ukuba ufuna ukuqhawula umtshato neqabane lakho kwaye liyacetyiswa ukuba lifumane igqwetha, ukuba alikakwenzi oko. Ukuba iqabane lakho sele linalo igqwetha kwaye le leta siyibhalela igqwetha lakhe, siyakuthumela ngokubanzi ileta echaza iminqweno yakho ngokubhekisele, umzekelo, abantwana, ikhaya, iziqulatho, njl.
Igqwetha leqabane lakho linokuphendula kule leta kwaye livakalise iminqweno yeqabane lakho. Ngamanye amaxesha, indibano yeendlela ezine icwangcisiwe, ngexesha apho sizama ukufikelela kwisivumelwano kunye.
Ukuba akunakho ukufikelela kwisivumelwano neqabane lakho, singasingenisa isicelo sokuqhawula umtshato ngqo enkundleni. Ngale ndlela, inkqubo iqalile.
Yintoni endifanele ukuyithatha ndihambe nayo ukuya kwigqwetha loqhawulo mtshato?
Ukuze uqalise inkqubo yoqhawulo-mtshato ngokukhawuleza emva kwentlanganiso yokwazisa, kufuneka inani lamaxwebhu. Uluhlu olungezantsi lubonisa amaxwebhu afunekayo. Ayingawo onke amaxwebhu ayimfuneko kulo lonke uqhawulo-mtshato. Igqwetha lakho loqhawulo-mtshato liza kuchaza, kwimeko yakho, ukuba ngawaphi amaxwebhu afunekayo ukulungiselela uqhawulo-mtshato wakho. Ngokomgaqo, la maxwebhu alandelayo ayafuneka:
• Incwadana yomtshato okanye isivumelwano sokuhlalisana.
Uxwebhu olunesivumelwano sangaphambi komtshato okanye sobambiswano. Oku akusebenzi ukuba utshatile kunye.
• Ityala lobambiso kunye nembalelwano enxulumene noko okanye isivumelwano sokurenta indlu.
• Isishwankathelo seakhawunti yebhanki, iiakhawunti zokonga, iiakhawunti zotyalo-mali.
• Iingxelo zonyaka, iziliphu zentlawulo kunye neengxelo zeenzuzo.
• Iifom zerhafu yengeniso yokugqibela.
• Ukuba unenkampani, iiakhawunti ezintathu zokugqibela zonyaka.
• Umgaqo-nkqubo weinshurensi yezempilo.
• Isishwankathelo se-inshurensi: leliphi igama le-inshurensi?
• Ulwazi malunga nepenshini eqokelelweyo. Yakheka phi ipension ngexesha lomtshato? Ngoobani abathengi?
• Ukuba kukho amatyala: qokelela amaxwebhu axhasayo kunye nemali nobude bamatyala.
Ukuba ufuna ukuba inkqubo yoqhawulo mtshato iqale ngokukhawuleza, kububulumko ukuqokelela la maxwebhu kwangethuba. Igqwetha lakho emva koko liza kusebenza kwityala lakho kwangoko emva kwentlanganiso yokwazisa!
Uqhawulo-mtshato kunye nabantwana
Xa abantwana bebandakanyeka, kubalulekile ukuba iimfuno zabo zithathelwe ingqalelo. Siyaqinisekisa ukuba ezi mfuno zithathelwa ingqalelo kangangoko. Amagqwetha ethu oqhawulo-mtshato angenza isicwangciso sobuzali kunye nawe apho ukwahlulwa kukhathalelo lwabantwana bakho emva kokuqhawulwa komtshato. Sinokukubalisela isixa-mali senkxaso yomntwana ekufuneka sihlawulwe okanye sifunyenwe.
Ngaba sele uqhawule umtshato kwaye unengxabano malunga, umzekelo, ukuthobela iqabane okanye inkxaso yomntwana? Okanye ngaba unesizathu sokukholelwa ukuba owayesakuba liqabane lakho ngoku unemali eyaneleyo yokuzikhathalela? Kwakhona kwezi meko, amagqwetha ethu oqhawulo-mtshato angakunika uncedo lwezomthetho.
Imibuzo ebuzwa rhoqo kuqhawulo mtshato
Law & More isebenza kwisiseko seyure. Ireyithi yethu yeyure yi-195, ngaphandle kwe-21% yeVAT. Ukuthetha-thethana nesiqingatha sokuqala seyure kukhululekile ngaphandle kwesibophelelo. Law & More ayisebenzi kwisiseko soncedo oluxhaswa ngurhulumente.
Amagqwetha Law & More bayabandakanyeka kwiingxaki zakho. Sijonge imeko yakho emva koko sifunde imeko yakho yezomthetho. Sikunye nawe, sijonga isisombululo esizinzileyo kwimpikiswano okanye kwingxaki yakho.
Ukuba uyavuma, unokuqesha igqwetha elidibeneyo. Kwimeko apho, inkundla inokuluvakalisa uqhawulo-mtshato ngokomyalelo kwiiveki nje ezimbalwa. Ukuba anivumelani, kuya kufuneka ngamnye afumane igqwetha lakhe. Kwimeko apho, uqhawulo-mtshato lunokuthatha iinyanga.
Ukuba ukhetha ukuqhawula umtshato ngokudibeneyo, akukho mfuneko yokuxoxwa kwenkundla. Uqhawulo-mtshato olwenziwa kwelinye icala kuthethwa ngalo kwinkundla yamatyala.
Kulamlo, uzama ukufikelela kwisisombululo kunye nomnye umntu phantsi kweliso lomlamli. Logama nje kukho ukuthanda kuwo omabini amacala ukufuna isisombululo, ulamlo lunethuba lokuphumelela.
Inkqubo yolamlo iquka: udliwanondlebe kunye neeseshoni ezininzi ukufikelela kwisivumelwano. Ukuba kufikelelwe kwisivumelwano, izivumelwano ezenziweyo zibhalwa phantsi.
Uwuqhawule umtshato ukusukela kumhla owafakwa ngawo ummiselo wokuqhawula umtshato kwiirejista zobhaliso lukamasipala apho wawutshatele khona.
Ungacela inkundla ukuba ichonge (indlela) yokwahlulahlula phakathi komtshato wabantu abatshatileyo bepropathi phakathi kwakho neqabane lakho langaphambili.
Ukuba utshatile kunye ngolwalamano lwepropathi, ungahlulahlula ezi zinto ngehafu okanye uzithathe komnye umntu ukuze ziqwalaselwe ngexabiso lazo.
Indawo yokuqala kukuba ungaqhubeka nokuhlala kwikhaya elidibeneyo, ukuba nje uyakwazi ukubhatala isiqingatha sayo nayiphi na intsalela yexabiso kwiqabane lakho langaphambili kwaye neqabane lakho langaphambili likhululwe kwindibaniselwano kunye noxanduva oluninzi lwemali mboleko yobambiso.
Unokucwangcisa ukuhlawulwa kwemali yobudlelwane ngaphandle kwenkundla. Ukuba unabantwana ndawonye nobabini nisebenzisa igunya, kunyanzelekile ngokusemthethweni ukuba nenze isicwangciso sokuba ngumzali.
Iindleko zegqwetha zixhomekeke kwixesha elichithwe kwityala lakho. Iindleko zenkundla zi- € 309 (iifizi zenkundla). Imirhumo yesikhonzi senkonzo yenkonzo yenkonzo yoqhawulo-mtshato ifikelela kwi- € 100.
Ummiselo osemthethweni (ukulingana kwepenshini) kuthetha ukuba unelungelo lokuhlawulwa ama-50% omhlala-phantsi owakhelwe liqabane lakho langaphambili ngexesha lomtshato. Ukuba omabini amaqabane ayavumelana, ungawaguqula amalungelo akho abe ngumhlala-phantsi kunye neqabane lakho libe lelakho ilungelo elizimeleyo lomhlala-phantsi (uguquko) okanye ukhethe ukwahlulwa okwahlukileyo.
Isivumelwano soqhawulo-mtshato sisivumelwano phakathi kwamaqabane ebesinokuthi apho nikwazi ukubeka phantsi izivumelwano xa nithe naqhawula umtshato. Umzekelo, unokwenza amalungiselelo emali, amalungiselelo malunga nabantwana kunye nesondlo. Ukuba isivumelwano soqhawulo-mtshato siyinxalenye yomyalelo wenkundla, siyanyanzeliswa ngokusemthethweni.
Ukuba isivumelwano soqhawulo-mtshato siyinxalenye yomyalelo wenkundla, isivumelwano soqhawulo-mtshato sinika isihloko esinyanzelekileyo. Kuyanyanzeliswa ngokusemthethweni.
Yonke into esendlwini, ebhaleni, egadini kunye nasegaraji yinxalenye yemixholo. Oku kusebenza nakwimoto okanye ezinye izithuthi. Ezi zihlala zikhankanywa ngokwahlukeneyo kumnqophiso. Izinto ezingezizo ezomxholo zezi zinto zixhunyiwe, izinto ezakhelweyo ngaphakathi ekhitshini kwaye, umzekelo, zibekwe phantsi.
Xa utshate umtshato ka-eyam yeyakho neyakho yeyam, ngokomthetho zonke ii-asethi namatyala akho neqabane lakho adityanisiwe. Kwimeko yoqhawulo mtshato, zonke iiasethi kunye namatyala ngokwamaxabiso kwabiwa ngokulinganayo phakathi kwenu. Ngamanye amaxesha inokubakho into ethile ebekelwe bucala, enjengesipho okanye ilifa.
Kodwa lumka: ukusukela ngo-2018, umgangatho kukutshata kuluntu olunomda wepropathi. Oku kuthetha ukuba ii-asethi eziqokelelwe ngaphambi komtshato azibandakanywanga eluntwini. Kuphela ziiasethi eziqokelelwa ngamaqabane atshatileyo ngexesha lomtshato eziba yipropati yomntu wonke. Yonke into umntu ayenayo ngasese ngaphambi komtshato ayikhutshelwa ngaphandle. Yonke into eyenzekayo emva komtshato ngokwempahla kunye / okanye amatyala, iba yipropathi yabo babini babini. Ukongeza, izipho kunye nelifa zihlala ziyipropathi yobuqu, kananjalo ngexesha lomtshato. Indlu inokuba ngaphandle koku, ukuba ibithengwe ngokudibeneyo ngaphambi komtshato.
Xa utshatile ukhethe ukugcina iiasethi zakho kunye namatyala ahlukene. Ukuba ufuna ukuqhawula umtshato, thatha ingqalelo nawaphi na amagatya esivumelwano okanye amanye amalungiselelo ekuvunyelwene ngawo.
Amagatya okuhlaliswa kwezivumelwano kukuhlawulwa okanye ukuhanjiswa kwengeniso ethile kunye namaxabiso. Zimbini iindlela zokuhlawula: 1) Igatya lokuhlala elinamaxesha ngamaxesha: Ekupheleni konyaka ngamnye intsalela eseleyo egciniweyo kwiakhawunti (yahlulwe ngokufanelekileyo). Ukhetho lwenziwa ukugcina iiasethi zabucala zahlukile. Ukuhlawulwa kwentlawulo kwenzeka emva kokuba iindleko ezizinzileyo zithathiwe kwinkunzi eyakhiwe ngokudibeneyo. 2) Igatya lokugqibela lokuhlala: Kwimeko yoqhawulo-mtshato kunokwenzeka ukuba kusetyenziswe igatya lokugqibela lokuhlawula. Wena neqabane lakho nizahlulahlula ii-asethi ezidibeneyo ngendlela efanayo ngokungathi nitshatele kulwalamano lomtshato. Unokukhetha ukuba zeziphi iiasethi ezingafakwanga kwicandelo.
Ezinye iiasethi azichazwanga ngokuzenzekelayo njengepropathi edibeneyo yakho kunye neqabane lakho. Ezi zinto akunakufuneka zibandakanywe ngexesha loqhawulo-mtshato. Ilifa okanye izipho zihlala zingaphandle koluntu lwepropathi ukusukela nge-1 Januwari 2018. Phambi komhla woku-1 kweyoMqungu wowama-2018, igatya lokuthintela kwakufuneka libandakanywe kwitayitile yesipho okanye kumyolelo.
Ijaji ithatha isigqibo sokuba ngubani ovunyelweyo ukuqhubeka nokuhlala endlwini emva koqhawulo-mtshato, ukuba nobabini nifuna ukuqhubeka nihlala apho. Ikhontrakthi yombutho wezindlu okanye umnini-mhlaba kufuneka itshintshwe, nomntu onikwe ilungelo lokuhlala apho njengokuphela komqeshi. Lo mntu unoxanduva lokuhlawula irente kunye nezinye iindleko.
Imibuzo ebuzwa rhoqo kwi-alimony
Inkqubo yesondlo iqala ngokugcwalisa uxwebhu lwezikhalazo. Inkundla iya kuthi ke inike elinye iqela ithuba lokufaka ingxelo yokuzithethelela. Ukuba oku kwenziwe, inkqubo iya kumanyelwa. Inkundla ke iya kunika isigwebo esibhaliweyo.
Unelungelo lokuxhaswa ngumlingane ukuba utshatile okanye ungene kubambiswano olubhalisiweyo kwaye awukwazi ukuzixhasa ngokuzimeleyo.
Unokunika iqabane lakho langaphambili isaziso sokungagqibeki kwaye usete ixesha elibekiweyo ekufuneka ihlawulwe ngalo isondlo. Ukuba iqabane lakho langaphambili alikayihlawuli inkxaso-mali kwisithuba sexesha, ke eli yimeko yokungagqibeki. Ukuba izivumelwano malunga nolondolozo zibandakanyiwe kwi-odolo, unesihloko esinyanzelekileyo. Unokufumana kwakhona isondlo kumlingane wakho wangaphambili ngaphandle kwenkundla. Ukuba akunjalo, unokufuna ukuthotyelwa enkundleni.
I-alimony yeqabane litsalelwa irhafu kumhlawuli kwaye ithathwa njengengeniso ehlawulelwa irhafu kumamkeli. Isondlo somntwana asihlawulelwa rhafu okanye sihlawulelwa irhafu.
Imibuzo ebuzwa rhoqo malunga nabantwana kuqhawulo mtshato
Ungacela inkundla ukuba iqinisekise ukuba bahlala phi abantwana bakho. Inkundla iyakwenza isigqibo esinjalo njengoko sithathwa njengesona silungiselela abantwana bakho, ithathela ingqalelo zonke iimeko zetyala.
Ukuba unabantwana abancinci ohlangane kunye nabo kunyanzelekile ukuba wenze isicwangciso sokuba ngumzali. Izivumelwano kufuneka zenziwe malunga nendawo yokuhlala yabantwana, ukwahlulwa kukhathalelo, indlela izigqibo ezimalunga nabantwana ezenziwa ngayo, ukuba ulwazi malunga nabantwana lutshintshiselana njani nokwahlulwa kweendleko zabantwana (inkxaso yabantwana).
Emva koqhawulo-mtshato bobabini abazali bagcina igunya lobuzali, ngaphandle kokuba inkundla ithathe isigqibo sokuba igunya elidibeneyo labazali kufuneka lipheliswe.
Unelungelo lokufumana inkxaso yomntwana ukuba awunayo ingeniso eyoneleyo yokubonelela iindleko zabantwana bakho.
Unokuvumelana ngesixa senkxaso yomntwana / yeqabane. Unokurekhoda ezi zivumelwano kwisivumelwano. Ukuba inkundla irekhoda ezi zivumelwano kwisigqibo soqhawulo-mtshato, ziyanyanzeliswa ngokusemthethweni. Ukuba awukwazi ukufikelela kwisivumelwano, unokucela inkundla ukuba ichonge isixa sesondlo. Ngokwenza njalo, ijaji iyakuthathela ingqalelo izinto ezahlukeneyo, ezinje ngengeniso, amandla ezemali, uhlahlo-lwabiwo mali lwabantwana kunye nolungiselelo lokundwendwela.
Ezi zinto ziyipropathi yabantwana ngokwabo. Banokuzigqibela ngokwabo ukuba kwenzeka ntoni kubo kwaye ngowuphi umzali abamele ukuhamba naye. Ukuba abantwana bancinci kakhulu ukuba bangathatha isigqibo malunga noku, kufuneka wena neqabane lakho nenze amalungiselelo.
Ukuba awuyifumani impendulo kumbuzo wakho kuluhlu lwemibuzo ebuzwa rhoqo, nceda unxibelelane ngqo nelinye lamagqwetha ethu anamava. Banokuphendula imibuzo yakho kwaye bonwabile ukucinga kunye nawe!
Ngaba uyafuna ukwazi ukuba yintoni Law & More ndingakwenzela njengeziko lezomthetho e-Eindhoven?
Sitsalele umnxeba kuthi: +31 40 369 06 80 okanye usithumelele i-imeyile:
Mr. UTom Meevis, igqwetha kwa Law & More - [imeyile ikhuselwe]
Mr. UMaxim Hodak, ummeli kunye nokunye - [imeyile ikhuselwe]
