Isangano Yakagadzikana Inosarudza Yako Yakanakisisa Chekutamba?

Joint Tenancy vs. Vagari vepanzvimbo muChirangaridzo

Sangano rekubatana ndiro sarudzo yakakurumbira kune vakawanda venguva yekutanga vatengi vemusha kuti inowanzosarudzwa chisarudzo chakasarudzwa nevatengi vasina tsanangudzo kana imwe pfungwa kune dzimwe nzira dzinogona kuwanikwa. Zvechokwadi, mamwe magungano ekutenga ane urongwa hwekusarudza nzira iyo mutengi achabata musoro, kunyange zvazvo zvisingakwanisi tsika mumitauro yakadai seCalifornia.

Kusarudza Joint Tenancy senzira yekuchengetedza musoro wepaimba mabasa inowanzosarudzwa mukutengesa kana pakuvhara pasina tsanangudzo yakawanda.

Izvi zvinoreva kuti vatungamiri vehurumende, pamwe chete nevashambadzi venyika uye vamwe vadzidzisi vasina dhigirii yemutemo, havagoni kuita mutemo. Chete gweta rezvemigwagwa rinogona kukurudzira muteresi pamusoro pemutemo weimba yemuzinda mune dzimwe nyika, sezvinofanira kuva. Iwe hausi kuda kuwana mazano akaipa. Uye kana iwe uchidaro, iwe unoda kuva nemunhu ane mhosva yepamutemo kwauri kune mazano akaipa. Hongu, iyo ndiyo tikiti, ingopomera masayendisiti ose, (kubata).

Kubatana kwakabatana kunogona kubatwa nevanhu vaviri kana kupfuura. Munhu mumwe nomumwe ane mugove wakaenzana. Zvisinei, Joint Tenancy neKodzero Yokupona Inosanganisirawo kuendeswa kwepamusoro kunobvumira kuti mutengo upfuurire kune vakasara vashandi vanogara pashure pekufa kwemubatanidzwa. Muchiitiko ichi, chivimbiso chekufa chinowanzokanganiswa mumabhuku evanhu, pamwe chete nekopi yehutano wehutano hwekufa. Kubatanidzwa kwezvinhu zviviri izvi zvakakwana kubvumira vasara vashandi vanogara kuti vatengese imba.

Kune humwe humwe humwe hunofanira kunge huripo kuitira kuti chibatanidzwa chekubatana chivepo. Izvo zvinyorwa zvinosanganisira izvo zvinotaurwa mumitambo yepamutemo seTTIP:

• Nguva : Munhu mumwe nomumwe anofanira kugamuchira kuwana chikamu cheimba yacho panguva imwe chete.
• Musoro : Chiito chinofanirwa kuratidza zita romunhu mumwe nomumwe pane imwe gwaro.

• Kufarira : Munhu mumwe nomumwe ane chikamu chakaenzana chevhudzi.
• Nzvimbo : Munhu mumwe nomumwe ane kodzero imwechete yekuwana pfuma.

Kana chimwe chezvinhu izvi zvitsva zvisipo, zvinoita kuti kubatana kwaunogona kunge wakatenda kwave kwakasikwa kunogona kupikiswa / kukwikwidzana uye hakuzogoni kuguma kutsunga kwekubatana.

Chiitiko chinogoneka che Joint Tenancy neHurumende yeKuponesa ndechekuti mubatanidzwa wekubatana anofa, mutariri wekubatanidza haangakwanisi kuisa pfuma kune mugari wenhaka, dzimwe hama dziripo kana kune umwe munhu wese. Semuenzaniso, kana hanzvadzi nemukoma vane zita rokuti Joint Tenants ne Right of Survivorship uye hanzvadzi inoroora, murume wehanzvadzi haagoni kugamuchira musoro weimba paanofa, kunyange kana hanzvadzi yake isingagari mumusha.

Unogona kuti, hey, kumirira kweminiti. Kana hanzvadzi nemurume wake vachigara mumusha, uye nyika inharaunda yehurumende yehurumende, haisi murume wehanzvadzi ane kodzero yekuita chimwe chechido, zvichida kuburikidza nemari yakavhenganiswa? Izvi ndezvemagweta kuti ataure, asi mukana we Joint Tenancy uchabvumira imba yacho kudarika 100% kune hama, uye tarisiro hama ine mutsa zvakakwana kubvumira mukwambo wake kugara kwechinguva.

Kana iwe usingadi kuti izvozvo zviitike, saka zvichida Vaparidzi muChina vaizove imwe nzira yekubata musoro iyo ingangodaro yakashanda senzira iri nani muurongwa urwu. NeVaParants in Common, kune humwe humwe humwe hwakabatanidzwa, uye kubatana ikoko ndiko kodzero yekuwana. Vagari vemunzvimbo imwe chete vanogona kuchengetedza zvikamu zvakaenzana kana zvakaenzana uye zvido zvinogona kuwanikwa panguva dzakasiyana.

Chimwe chekusiyana kukuru pakati pe Joint Tenancy ne Right of Survivorship uye Vaparidzi muChina ndeyekuti musoro unotungamirirwa sei shure kwekufa, uye kodzero dzevagari venhaka. Kana mukoma, hanzvadzi yake nemurume wehanzvadzi yose vaine zita reVagari veMunharaunda, Hama iyi haigone kubvunza mukoma wake kuti abve pamba, kana hanzvadzi yafa. Muroora wacho haagoni kukwanisa kuti hama iende kunze, kana.

Mumwe nomumwe ane kodzero yakaenzana yekuwana. Uyewo, kufarira kwahanzvadzi kwaizopfuurira kune mugari wenhaka yake, iyo inogona kuva murume wake kana yaive yakatsanangurwa.

Pasi peMunharaunda Pfuma, kazhinji zita racho richava pasi pekuongorora kana kupfuurira kune mugari wenhaka pamusoro pekufa kweimwe kana kupfuura mapoka, zvichienderana nemitemo yenyu yehurumende. Zvisinei, Community Property inogonawo kusanganisira Kodzero Yokupona, mune izvo zviitiko, musoro hauchazoenderi kune vagari venhaka. Ngatitombokurukura pamusoro pemitero.

Iwe unogona kuona kuti nei nyaya iyi yekubata musoro inogona kuva yakaoma zvikuru kune mutengi weimba panguva yekutenga. Vamwe vatengi havadi kutarisana nayo nokuti vakanyanya kufara pakuvhara imba. Asi iwe unofanirwa kutaura neyemhosva yemagetsi uye kunyatsotarisisa nzira imwe neimwe yekubata musoro, kurukura nezvehutano uye hutano hweumwe neumwe, usati wasarudza Joint Tenants kamwe chete. Nokuti Joint Tenancy ingave isingagoni kuva sarudzo yakarurama kwauri.

Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.