{"id":5443,"date":"2021-04-26T17:58:41","date_gmt":"2021-04-26T15:58:41","guid":{"rendered":"https:\/\/talk.nordea.se\/privatebanking\/?p=5443"},"modified":"2021-04-29T21:26:10","modified_gmt":"2021-04-29T19:26:10","slug":"gift-eller-sambo-bra-att-tanka-pa","status":"publish","type":"post","link":"https:\/\/talk.nordea.se\/privatebanking\/gift-eller-sambo-bra-att-tanka-pa\/","title":{"rendered":"Gift eller sambo \u2013 bra att t\u00e4nka p\u00e5"},"content":{"rendered":"\n

M\u00e5nga tror felaktigt att man per automatik \u00e4ger tillg\u00e5ngar tillsammans om man blir sambor eller gifter sig. Makar, sambor och andra, till exempel syskon, kan sj\u00e4lvklart \u00e4ga tillg\u00e5ngar tillsammans p\u00e5 grund av att man gemensamt har k\u00f6pt n\u00e5got eller f\u00f6r att man \u00e4rvt eller f\u00e5tt egendom gemensamt.<\/p>\n\n\n\n

Men gemensamt f\u00f6r makar och sambor \u00e4r annars att s\u00e5 l\u00e4nge f\u00f6rh\u00e5llandet best\u00e5r s\u00e5 \u00e4ger var och en sitt och ansvarar f\u00f6r sina eventuella skulder. Jag tror att det var filmstj\u00e4rnan Zsa Zsa Gabor (gift 9 g\u00e5nger) som sa \u201dMan gifter sig inte rik, man skiljer sig rik\u201d och det st\u00e4mmer ganska bra.<\/p>\n\n\n\n

Bodelning<\/strong><\/p>\n\n\n\n

B\u00e5de \u00c4ktenskapsbalken och Sambolagen har regler om bodelning. Gemensamt f\u00f6r dessa \u00e4r att r\u00e4tten till bodelning \u00e4r en framtida<\/em> r\u00e4tt som intr\u00e4der den dag sambof\u00f6rh\u00e5llandet eller \u00e4ktenskapet upph\u00f6r, p\u00e5 grund av separation eller d\u00f6dsfall.<\/p>\n\n\n\n

Bodelning inneb\u00e4r att parterna delar p\u00e5 nettov\u00e4rdet (i princip marknadsv\u00e4rdet efter avdrag f\u00f6r eventuella skulder) av viss egendom eller all egendom.<\/p>\n\n\n\n

Vilka tillg\u00e5ngar ska bodelas? H\u00e4r \u00e4r det stor skillnad mellan sambor och makar.<\/p>\n\n\n\n

F\u00f6r sambor g\u00e4ller att det endast \u00e4r bostad och bohag som har anskaffats f\u00f6r gemensamt bruk som ska bodelas. F\u00f6r makar g\u00e4ller som huvudregel att alla tillg\u00e5ngar ska bodelas. Det spelar ingen roll om tillg\u00e5ngen har anskaffats f\u00f6re \u00e4ktenskapet eller under \u00e4ktenskapet.<\/p>\n\n\n\n

Det jag skriver ovan \u00e4r hur bodelningsreglerna fungerar enligt lag. Men, det kan vara s\u00e5 att n\u00e5gon av parterna exempelvis har f\u00e5tt egendom i g\u00e5va eller arv fr\u00e5n en sl\u00e4kting, med villkor att det skulle vara mottagarens enskilda egendom. D\u00e5 ska denna egendom inte bodelas.<\/p>\n\n\n\n

Om tv\u00e5 makar eller sambor \u00e4r \u00f6verens och vill att en eventuell bodelning i framtiden inte ska ske enligt lag, kan de uppr\u00e4tta samboavtal eller \u00e4ktenskapsf\u00f6rord och best\u00e4mma n\u00e5got annat. Formkraven f\u00f6r dessa dokument skiljer sig \u00e5t. Ett \u00e4ktenskapsf\u00f6rord m\u00e5ste registreras hos \u00c4ktenskapsregistret p\u00e5 Skatteverket f\u00f6r att vara giltigt men ett samboavtal kan inte registreras.<\/p>\n\n\n\n

Arv<\/strong><\/p>\n\n\n\n

Arvsreglerna \u00e4r ocks\u00e5 olika f\u00f6r sambor och makar. F\u00f6r sambor \u00e4r lagen v\u00e4ldigt enkel, - sambor \u00e4rver aldrig varandra, oavsett hur l\u00e4nge de varit sambor. Om sambor vill \u00e4rva varandra m\u00e5ste ett testamente uppr\u00e4ttas.<\/p>\n\n\n\n

Makar \u00e4rver varandra ibland. Om makarna enbart har gemensamma barn, eller inga barn alls, \u00e4rver de varandra fullt ut enligt lag. Men om de enbart har s\u00e4rkullbarn \u00e4rver de inte varandra enligt lag, d\u00e5 \u00e4rver barnen.<\/p>\n\n\n\n

En make eller sambo kan ensidigt eller tillsammans uppr\u00e4tta ett testamente och reglera hur arvet ska f\u00f6rdelas. Formkraven f\u00f6r ett testamente \u00e4r detsamma oavsett vem som skriver det. Arvsreglerna och regler om enskild egendom och giftor\u00e4ttsgods g\u00f6r dock att man inte alltid kan testamentera som man vill.<\/p>\n\n\n\n

F\u00f6rs\u00e4kringar<\/strong><\/p>\n\n\n\n

Om en avliden person har f\u00f6rs\u00e4kringar (pensionsf\u00f6rs\u00e4kringar, kapitalf\u00f6rs\u00e4kringar och rena livf\u00f6rs\u00e4kringar) tillfaller dessa f\u00f6rm\u00e5nstagaren\/f\u00f6rm\u00e5nstagarna till f\u00f6rs\u00e4kringen. Det \u00e4r standard att make eller sambo \u00e4r f\u00f6rm\u00e5nstagare i f\u00f6rsta hand och att barn \u00e4r det i andra hand. H\u00e4r likst\u00e4lls allts\u00e5 sambo och make, trots att sambor inte har n\u00e5gon legal arvsr\u00e4tt.<\/p>\n\n\n\n

\u00c4ven betr\u00e4ffande f\u00f6rs\u00e4kringar kan man g\u00f6ra ett aktivt val och \u00e4ndra f\u00f6rm\u00e5nstagare s\u00e5 att f\u00f6rs\u00e4kringen tillfaller den eller de personer man vill. N\u00e4r det g\u00e4ller pensionsf\u00f6rs\u00e4kringar finns det dock en begr\u00e4nsad krets av personer som kan vara f\u00f6rm\u00e5nstagare.<\/p>\n\n\n\n

Bytt civilstatus? D\u00e5 g\u00e4ller nya regler<\/strong><\/p>\n\n\n\n

N\u00e4r ens civilstatus \u00e4ndras \u00e4r det viktigt att se \u00f6ver sina familjejuridiska handlingar. Om man till exempel \u00e4r sambo och har ett samboavtal som avtalar bort bodelningsreglerna avseende bostad och bohag \u2013 vad h\u00e4nder d\u00e5 om man gifter sig med sin sambo?<\/p>\n\n\n\n

I den situationen g\u00e4ller inte samboavtalet l\u00e4ngre och enligt huvudregeln ska alla tillg\u00e5ngar omfattas av bodelning. Om makarna vill ha samma juridiska konsekvenser som om de vore sambor m\u00e5ste de uppr\u00e4tta ett \u00e4ktenskapsf\u00f6rord.<\/p>\n\n\n\n

Om sambor med gemensamma barn gifter sig f\u00f6rdelas arvet p\u00e5 ett annat s\u00e4tt efter gifterm\u00e5let. S\u00e5 l\u00e4nge de \u00e4r sambor \u00e4rver barnen sin f\u00f6r\u00e4lder. Men n\u00e4r paret gifter sig \u00e4rver makarna varandra och barnen \u00e4rver f\u00f6rst den dag den sista f\u00f6r\u00e4ldern g\u00e5r bort.<\/p>\n\n\n\n

Se \u00f6ver familjejuridiska handlingar<\/strong><\/p>\n\n\n\n

Om sambor eller makar \u00e4r \u00f6verens om att ett befintligt samboavtal eller \u00e4ktenskapsf\u00f6rord ska upph\u00f6ra m\u00e5ste ett nytt samboavtal eller \u00e4ktenskapsf\u00f6rord uppr\u00e4ttas. Det fungerar allts\u00e5 inte att bara makulera handlingen. Ett testamente kan d\u00e4remot makuleras om man inte vill att det ska g\u00e4lla.<\/p>\n\n\n\n

Reglerna om bodelning och arv \u00e4r till stor del dispositiva, vilket inneb\u00e4r att parterna sj\u00e4lva kan uppr\u00e4tta dokument som reglerar dessa fr\u00e5gor utifr\u00e5n sina \u00f6nskem\u00e5l. G\u00f6r det \u2013 och se \u00f6ver dokumenten l\u00f6pande s\u00e5 att de \u00f6verensst\u00e4mmer med dina eller era \u00f6nskem\u00e5l \u00f6ver tid.<\/p>\n\n\n\n

Vi familjer\u00e4ttsjurister finns till hands f\u00f6r dig som vill ha hj\u00e4lp med \u00e4ktenskapsf\u00f6rord, samboavtal, g\u00e5vobrev och testamente.<\/p>\n\n\n\n

Text: <\/strong>Catharina von Harten Foto: <\/strong>Henric Uhrbom<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00c4r det n\u00e5gon skillnad mellan att vara sambor och gifta? I vardagen \u00e4r det troligtvis inte det. Men rent juridiskt...<\/p>\n","protected":false},"author":2,"featured_media":5444,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[15,273,28],"class_list":["post-5443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-ekonomi","tag-juridik","tag-nordea"],"acf":[],"yoast_head":"\nGift eller sambo \u2013 bra att t\u00e4nka p\u00e5 - 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\/gift-eller-sambo-bra-att-tanka-pa\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gift eller sambo \u2013 bra att t\u00e4nka p\u00e5 - Talk with Nordea Private Banking\" \/>\n<meta property=\"og:description\" content=\"\u00c4r det n\u00e5gon skillnad mellan att vara sambor och gifta? 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I vardagen \u00e4r det troligtvis inte det. 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