Life after wedding? Will change whether or not you want loan

What’s mine, is that yours?

What

At the moment of marriage, there is a big change in the area of ​​property, liabilities and debts, which is regulated by law and cannot be avoided with some exceptions. The common property of the spouses includes, apart from personal matters, obtained as a gift or in inheritance proceedings, almost everything you acquire together during the marriage. Both tangible things, such as a house, and intangible things like debt. So be aware that together you will have not only a house, but also a mortgage that you had to take it.

Financial benefits of marriage

Financial benefits of marriage

Even in finance, everything is not the same, as marriage guarantees certain tax, pension and other financial benefits. If certain conditions are fulfilled, you can claim the so-called discount on your wife in the tax return, which will be useful mainly with the advent of offspring. You are also entitled to a widow’s or widower’s pension only if you have lived in a marital relationship. And if you decide to co-finance a car purchase or refurbishment, you can still get some advantages over unmarried couples. “The market has been on the market for up to two years since the wedding of the so-called Newlywed Loan, which allows you to achieve a higher loan amount and at the same time lower interest,” says Kyle Manuer, marketing and sales director of Bankil.

Not only rights but also obligations

Not only rights but also obligations

In addition to the various financial benefits, you will also have greater rights as a spouse. Relationship in marriage is governed by the Civil Code, which, inter alia, guarantees the spouses the opportunity to represent each other or receive information about the health of the spouse. But besides rights, it also defines obligations. To have respect for each other, to respect and support one another, or to be faithful to one another – if these statutory “duties” were truly respected, divorce would surely be in completely different numbers.

Tradition versus today’s reality

Tradition versus today

Another fundamental change is a new surname for at least one partner. Here, however, beware of erroneously lived rules – as with the ceremony does not apply that you have to exchange rings, so even the surname does not necessarily change a woman. The man can change his surname. In practice, it looks like that if you take for example Topinková with Garlic, after the wedding does not have to name necessarily Garlic – Garlic, but Topinková – Toast. Either way, the person who changes his surname must prepare for the challenging wheel of the authorities, during which the driver’s license and passport need to be changed, and new personal information is reported to the bank, insurance company and other institutions.

What is the right way?

What is the right way?

Changes in the relationship after the wedding can not be influenced from the legal point of view with a few exceptions. But this is not true from the perspective of the partner, there is, on the contrary, everything is up to you. The idea that a marriage does not have to work on a relationship can lead to a slip into a stereotype that everyone does not have to bear. Similarly, trying to artificially create an image that after marriage everything must be happier and more intense, may not be the right way. The universal council simply does not exist and every newlywed couple must find the right way alone.

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