{"id":218,"date":"2019-05-23T10:41:14","date_gmt":"2019-05-23T08:41:14","guid":{"rendered":"https:\/\/talk.nordea.se\/privatebanking\/?p=218"},"modified":"2019-06-20T13:33:59","modified_gmt":"2019-06-20T11:33:59","slug":"i-nod-och-lust","status":"publish","type":"post","link":"https:\/\/talk.nordea.se\/privatebanking\/i-nod-och-lust\/","title":{"rendered":"I n\u00f6d och lust"},"content":{"rendered":"\n

\u00c4ktenskapsf\u00f6rord. <\/strong>Att s\u00e4ga ja till ett liv med varandra \u00e4r bland det mest romantiska man kan g\u00f6ra. F\u00f6r visst handlar gifterm\u00e5l om k\u00e4rlek, tillit och omtanke, och inte om avtal och juridik? Som gift delar man vanligen allt: medg\u00e5ngar och motg\u00e5ngar men \u00e4ven tillg\u00e5ngar och pengar. Men vad h\u00e4nder om man skulle g\u00e5 skilda v\u00e4gar? Kan det vara s\u00e5 att \u00e4ktenskapsf\u00f6rord i sj\u00e4lva verket \u00e4r en k\u00e4rlekshandling?\u00a0 \u00a0<\/p>\n\n\n\n

Vi fick en pratstund med Caroline\nT\u00f6rnqvist, familjer\u00e4ttsjurist p\u00e5 Nordea Private Banking.  <\/p>\n\n\n\n\n\n

\n \"\"\n

<\/h3>\n

Caroline T\u00f6rnqvist<\/p>\n <\/figure>\n\n\n\n

Hur var det nu, delar man p\u00e5 allt n\u00e4r man \u00e4r gift?<\/strong><\/p>\n\n\n\n

\u00ad\u00ad\u2013 Grundregeln \u00e4r faktiskt att var\noch en \u00e4ger sitt, \u00e4ven n\u00e4r man \u00e4r gift. Men rent juridiskt skiljer man p\u00e5\nenskild egendom och giftor\u00e4ttsgods. Det vanligaste \u00e4r att det man \u00e4ger \u00e4r\ngiftor\u00e4ttsgods. Vid en skilsm\u00e4ssa g\u00f6rs en bodelning, och enkelt uttryckt delar\nman d\u00e5 lika p\u00e5 giftor\u00e4ttsgodset. Enskild egendom kan vara s\u00e5dant man f\u00e5tt i arv\neller g\u00e5va och detta ska d\u00e5 tydligt framg\u00e5 i ett testamente eller ett g\u00e5vobrev,\nalternativt i ett f\u00f6rm\u00e5nstagarf\u00f6rordnande fr\u00e5n en f\u00f6rs\u00e4kring. Enskild egendom ing\u00e5r\ninte i en bodelning, det f\u00e5r den som \u00e4ger det beh\u00e5lla. Men finns det inga\nskrivna papper blir i princip allt, \u00e4ven det man \u00e4gde innan man sa ja,\ngiftor\u00e4ttsgods som delas lika vid skilsm\u00e4ssa.<\/p>\n\n\n\n

Hur kommer \u00e4ktenskapsf\u00f6rordet in i bilden?<\/strong><\/p>\n\n\n\n

\u00ad\u2013 Med ett \u00e4ktenskapsf\u00f6rord kan tv\u00e5\nmakar best\u00e4mma hur deras egendomar ska \u00e4gas.  Kanske har den ene ett sommarhus som man vill\nska stanna i sl\u00e4kten? Eller ett eget f\u00f6retag som blir sv\u00e5rt att dela upp vid en\neventuell separation. I s\u00e5dana fall, och m\u00e5nga andra ocks\u00e5, kan man \u00f6verv\u00e4ga\natt skriva ett \u00e4ktenskapsf\u00f6rord som reglerar att egendomen ska vara den ena eller\nandra makens enskilda egendom.  <\/p>\n\n\n\n

Vilka \u00e4r dina fr\u00e4msta argument f\u00f6r\natt skriva ett \u00e4ktenskapsf\u00f6rord? <\/strong><\/p>\n\n\n\n

\u2013 Ja,\ndels \u00e4r det ju f\u00f6r att s\u00e4kerst\u00e4lla viss egendom, dels r\u00e4ttvisesk\u00e4let. S\u00e4g att\nmake 1 har mycket enskild egendom. D\u00e5 kan man avtala att det som make 2 \u00e4ger\nska utg\u00f6ra dennes enskilda egendom. Annars har make 2 bara giftor\u00e4ttsgods som\nska delas lika vid en skilsm\u00e4ssa, medan make 1 beh\u00e5ller allt sitt.  <\/p>\n\n\n\n

Egna\nf\u00f6retagare b\u00f6r ocks\u00e5 \u00f6verv\u00e4ga om de ska ha ett \u00e4ktenskapsf\u00f6rord f\u00f6r att g\u00f6ra\nf\u00f6retaget till enskild egendom. \u00c4ger man f\u00f6retaget med en kompanjon \u00e4r det inte\novanligt att man i ett aktie\u00e4garavtal f\u00f6rbundit sig att genom ett\n\u00e4ktenskapsf\u00f6rord g\u00f6ra aktierna till sin enskilda egendom. <\/p>\n\n\n\n

Kan du utveckla det d\u00e4r med\nkompanjonskap och \u00e4ktenskapsf\u00f6rord? <\/strong><\/p>\n\n\n\n

\u2013 Vi\nt\u00e4nker oss att du \u00e4ger ett f\u00f6retag tillsammans med kompanjonen Maria, som \u00e4r\ngift med Pelle. En dag meddelar Pelle att han vill skiljas. De har inget\n\u00e4ktenskapsf\u00f6rord. Marias del av f\u00f6retaget kommer d\u00e4rmed att ing\u00e5 i bodelningen\noch har hon inte andra tillg\u00e5ngar som v\u00e4ger upp f\u00e5r hon dela med sig av sin\nandel av ert f\u00f6retags v\u00e4rde till Pelle. <\/p>\n\n\n\n

Det\nr\u00e4cker allts\u00e5 inte med aktie\u00e4garavtal och kompanjonavtal, man m\u00e5ste ha ett\n\u00e4ktenskapsf\u00f6rord ocks\u00e5, d\u00e4r aktierna g\u00f6rs till enskild egendom f\u00f6r att undvika\nsituationer som denna. Om du \u00e4ndrar\nbolagsstruktur och\/eller bildar nya bolag \u00e4r det ocks\u00e5 viktigt att se till att \u00e4ktenskapsf\u00f6rordet\nomfattar de nya bolagen. <\/p>\n\n\n\n

Det finns\nflera saker att t\u00e4nka p\u00e5. Om aktierna i ett bolag gjorts till enskild egendom\noch aktierna sedan s\u00e4ljs, d\u00e5 blir likviden, allts\u00e5 pengarna fr\u00e5n f\u00f6rs\u00e4ljningen,\n\u00e4garens enskilda egendom. Det kallas substitutegendom. <\/p>\n\n\n\n

Det \u00e4r mycket\natt t\u00e4nka p\u00e5. Kan vi f\u00e5 hj\u00e4lp med att skriva ett \u00e4ktenskapsf\u00f6rord? <\/strong><\/p>\n\n\n\n

\u00ad\u2013 Du\nsom \u00e4r kund i Private Banking kan v\u00e4nda dig till din r\u00e5dgivare, som bokar in\nett m\u00f6te med n\u00e5gon av oss familjer\u00e4ttsjurister. D\u00e5 vill vi tr\u00e4ffa b\u00e5da makarna\neller blivande makarna. Ett \u00e4ktenskapsf\u00f6rord kan inte uppr\u00e4ttas ensidigt, b\u00e5da\nmakarna m\u00e5ste vara inf\u00f6rst\u00e5dda med inneb\u00f6rden av att skriva ett s\u00e5dant. <\/p>\n\n\n\n

Att\nladda ner en \u201dmall\u201d p\u00e5 n\u00e4tet kan \u2013 om man inte \u00e4r inf\u00f6rst\u00e5dd med vad det\ninneb\u00e4r och vad man skriver p\u00e5 \u2013 f\u00e5 f\u00f6r\u00f6dande ekonomiska konsekvenser i\nframtiden, inte minst k\u00e4nslom\u00e4ssiga och sociala. D\u00e4rf\u00f6r \u00e4r det ocks\u00e5 viktigt\natt t\u00e4nka p\u00e5 att ett \u00e4ktenskapsf\u00f6rord b\u00f6r uppdateras n\u00e4r det sker f\u00f6r\u00e4ndringar\ni livet.<\/p>\n\n\n\n

Bra att veta om \u00e4ktenskapsf\u00f6rord:<\/h4>\n\n\n\n
  • Ett\n\u00e4ktenskapsf\u00f6rord beh\u00f6ver inte bevittnas, d\u00e4remot alltid registreras hos\nSkatteverket. <\/li>
  • \u00c4ktenskapsf\u00f6rordet\nkan skrivas b\u00e5de innan och under \u00e4ktenskapet, s\u00e5 l\u00e4nge man \u00e4r \u00f6verens. <\/li>
  • Det g\u00e5r att\n\u00e4ndra avtalet, men s\u00e5 fort man vill g\u00f6ra f\u00f6r\u00e4ndringar m\u00e5ste det registreras i\nett nytt \u00e4ktenskapsf\u00f6rord hos Skatteverket.<\/li>
  • Vem\nsom helst kan beg\u00e4ra ut en kopia av ditt \u00e4ktenskapsf\u00f6rord fr\u00e5n\n\u00c4ktenskapsregistret. <\/li>
  • Enda s\u00e4ttet att upph\u00e4va ett \u00e4ktenskapsf\u00f6rord \u00e4r genom att\nskriva ett nytt. Som f\u00f6rst\u00e5s ocks\u00e5 ska registreras hos Skatteverket. <\/li>
  • Skatteverket\ng\u00f6r inte n\u00e5gon kontroll om ett \u00e4ktenskapsf\u00f6rord \u00e4r korrekt uppr\u00e4ttat och\ngiltigt, ta d\u00e4rf\u00f6r alltid juridisk hj\u00e4lp. <\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"

    \u00c4ktenskapsf\u00f6rord. Att s\u00e4ga ja till ett liv med varandra \u00e4r bland det mest romantiska man...<\/p>\n","protected":false},"author":1,"featured_media":219,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[61,15,28],"class_list":["post-218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-caroline-tornqvist","tag-ekonomi","tag-nordea"],"acf":[],"yoast_head":"\nI n\u00f6d och lust - Talk with Nordea Private Banking<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/talk.nordea.se\/privatebanking\/i-nod-och-lust\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"I n\u00f6d och lust - Talk with Nordea Private Banking\" \/>\n<meta property=\"og:description\" content=\"\u00c4ktenskapsf\u00f6rord. 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