Unhu huri pamwe hunouya mumhando mitatu: ine kodzero yekupona , senzvimbo yemunharaunda , uye sevagari vese vari pamwe chete .
Joint Tenancy Nekodzero Yokupona
Vapatendi vane vagari vane kodzero yekupona , vanowanzopfupiswa pamusana pezvinyorwa se "JTWROS," zvinoreva kuti kana pane vaviri kana vanowiri veimba pfuma uye mumwe muridzi akafa, kana muridzi weimba kana kuti varidzi vacharamba vacharamba vachiwana pfuma uye nzvimbo uye vagari venhaka pamutemo wemufi akafa havangagamuchiri chinhu.
Zvose izvo vadzidzisi varipo vachazofanira kuita kuti vabvise zita romuridzi wefa kubva pfuma iyo kuratidza chirwere chekufa kana kunyora chiito chitsva chinoratidza kuti mumwe wevashandi vanobatana akafa.
Kugadziriswa neHurumende
Imhando yakakosha yekubatana pamwe nekodzero yekuchengetedza iyo inozivikanwa pakati pevakaroora mune dzimwe nyika inonzi varimi vose, iyo inopfupiswa se "TBE." Kunze kwokudzivisa probate , rudzi urwu rwehutori hunokosha mukuronga kwekuchengetedzwa kwemari mumatunhu kwaanozivikanwa.
Community Property
Nharaunda yehupfumi ndiyo inonyanya kukoshesa hutano hunozivikanwa pakati pevakaroorana mumatunhu mapfumbamwe: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, uye Wisconsin. MuAlaska, vakaroorana vanogona kusarudza kuva nedzimwe nzvimbo kana zvinhu zvavo zvose zvinotarisirwa semuzinda wepamba nekutaura saizvozvo mumvumo yakanyorwa.
Chii chinoitika kumunharaunda yemunharaunda kana mumwe murume akafa?
Izvi zvichatsigira kana kuti kwete ivo vakaroorana vakaita chirongwa chemuzinda. Kana pasina urongwa hwemigwagwa , ipapo mitemo yehutano yehurumende yavo inotarisa kuti inharaunda ipi ichaenda. Kana pane chirongwa chemarongerwo enyika, zvinyorwa zvepurogiramu yemigwagwa ichapedza mutemo wehurumende uye inharaunda inzvimbo ichaenda chaizvo iyo iyo vakaroorana vanoda kuti iende.
Tenancy in Common
Kana iyo iyo inenge iine vanhu vaviri kana kupfuura sevagari vese vari pamwe chete, ipapo muridzi wega wega achabata muzana wehuwandu hwekuda muimba yacho. Iko rudzi rwehuyo huputika se "TIC." Izvo zviyero hazvifanirwi kuenzana uye zvinotarirwa nekuwanda kweiyo muridzi wega wega anobatsira pakutenga kweimba.
Semuenzaniso, kana chikamu chenzvimbo chaiyo inodhura $ 100 000 uye muridzi A anopa $ 70,000 uye muridzi B anobatsira $ 30,000, ipapo muridzi A achabata rubatsiro rwe70% semuvakidzani pamwe chete uye muridzi B achabata mutengo we 30% semuvakidzani pamwe chete . Kana muridzi A akazofa, chikamu chake che70% chichapfuura kune ani nani waanosarudza kuburikidza neAkupedzisira Kuda uye Testamende kana Revocable Living Trust , kana kune vagari venhaka pamutemo kana asina chirongwa chemuzinda.
Muridzi B, zvisinei, haazokodzero yekugamuchira chero chikamu cheA's 70% chido (kunze kwekuti muridzi B atumidzwa muA's Last Will kana Revocable Living Trust kana A's vagari wenhaka ). Uyezve, kana A 70% inofanirwa kunzi muzita rake roga roga semuvakidzani pamwe chete uye kwete nezita reRevocable Living Trust panguva yekufa kwake, zvino A's 70% inofanirwa kudiwa kuti iongororwa.