Sei Tichida Wiri muna BC

Dzivirira Vadiwa Vako

Kugadzirira kuda kwako ndechimwe chezvinhu zvakakosha zvauchaita mukati mehupenyu hwako, kutsanangura zvishuwo zvako muchiitiko chekupfuura kwako. Inotungamira mhuri yako nevadikani mukubata kwepfuma yako uye inokupa rugare rwepfungwa kuti avo vaunoda vanochengetwa.

Kuva nechido chenhaka kunopindura mibvunzo yose inokosha somubereki, yakadai sokuti ndiani acharera vana vako vaduku kana mose muri vaviri iwe nomumwe wako mukafa. Kuda kwako zvakare ndiyo nzira yakanakisa yekuona kuti vamwe vanhu, masangano anobatsira uye masangano aunokoshesa anowana rubatsiro rwepfuma yako. Zvinotoshamisa ndezvokuti vazhinji vekuBritish Columbians havana kuita hanya nekugadzirira kuda kwavo kwekupedzisira uye testamende, kunyangwe zviri nyore pane zvavanofunga.

Maererano BC Notaries ongororo yakaitwa muna 2018, 44% chete yeBritish Columbians vane chibvumirano chakasainwa, chiri pamutemo uye chemazuva ano. 80% yevanhu vane makore ari pakati pe18 ne34 havana magwaro ekuda. Kukurudzira ruzhinji rweBC kuti vanyore kuda kwavo, kana kuunza chiripo, hurumende yeBC yakatanga Make-a-Will-Week musi wa3 Gumiguru kusvika 9, 2021, kuvakurudzira kuti vasiye manzwiro ekusagadzikana. kusagadzikana.

Chii chinoumba chido chepamutemo muna BC?

Zvinodiwa zvitatu zvinofanirwa kusangana kuti kuda kuonekwe sekwakanaka muBritish Columbia:

1. Inofanira kunge yakanyorwa;
2. Inofanira kusainwa kumagumo, uye;
3. Inofanira kupupurirwa zvakanaka.

Muna Kurume 2014, British Colombia yakagadzira Will, Estates uye Succession Act, WESA, mutemo mutsva unodzora zvido neminda. Imwe yeshanduko dzakakosha dzakaunzwa mumutemo mutsva chaive chinhu chinonzi curative provision. Kurapa kunoreva kuti kana paine wiri isinganyatso kugutsa zvinodiwa zviri pamutemo, matare edzimhosva anogona “kurapa” zvikanganiso zvechido chakaputswa uye kutaura chido chacho chiriko. WESA inopawo Dare Repamusorosoro reBC mvumo yekuti rione kana wiri isina kupera ichigona kushanda.

Semugari weBC, unofanirwa kusaina kuda kwako zvinoenderana ne British Columbia Wills Act. The Wills Act inotaura kuti zvapupu zviviri zvinofanirwa kuona siginecha yako papeji yekupedzisira yechido chako. Zvapupu zvako zvinofanirwa kusaina peji rekupedzisira mushure mako. Kusvika nguva pfupi yadarika, ingi yakanyorova yaifanira kushandiswa kusaina testamende uye kopi chaiyo inoda kuchengetwa.

Denda iri rakaita kuti purovhinzi ichinje mitemo yakatenderedza masiginicha, kuitira kuti vashandisi vave nemusangano chaiwo nevapupu uye kusaina magwaro avo pamhepo. Muna Nyamavhuvhu we2020, mutemo mutsva wakaunzwa kuti ubvumire vanhu vari munzvimbo dzakasiyana kushandisa tekinoroji kupupurira kure kure, uye kubva muna Zvita 1, 2021 shanduko dzakapawo mafiro emagetsi kuzivikanwa kwakafanana sekuda kwenyama. BC yakava kutonga kwekutanga muCanada kushandura mitemo yayo kuti ibvumire faira repamhepo.

Ese mafomati emagetsi ave kugamuchirwa, asi veBritish Columbians vanokurudzirwa zvakanyanya kuchengetedza zvido zvavo muPDF format, kuita kuti chirongwa chekuongorora chive nyore sezvinobvira kumuiti.

Chii chinoitika kana ukafa usina kusiya wiri?

Kana ukafa usina wiri panzvimbo hurumende yepurovhinzi inokuona kunge wakafa usina kuroorwa. Kana ukafa usina kuroorwa, matare achashandisa BC Wills, Estates uye Succession Act kusarudza nzira yekugovera zvinhu zvako uye kugadzirisa nyaya dzako. Vachagadza muiti wenhaka uye muchengeti wevana chero vadiki. Nekusarudza kusashandisa kodzero yako yekuCanada kuita chido iwe uchiri mupenyu, unorasikirwa nekutonga pamusoro pezvishuwo zvako kana usisiri pano kuratidzira.

Zvinoenderana neWill, Estates uye Succession Act, kurongeka kwekugovera kazhinji kunotevera kurongeka kunotevera:

• Kana uine wawakaroorana naye asi usina vana, pfuma yako yose inoenda kune mumwe wako.
• Kana iwe uine murume kana mukadzi uye mwana ari wemurume kana mukadzi iyeye, mukadzi wako anogashira $300,000 yekutanga. Yasara inogovaniswa zvakaenzana pakati pemukwanyina nevana.
• Kana une murume/mukadzi nevana, uye vana ivavo vasiri vemumwe wako, mumwe wako anowana $150,000 yekutanga. Zvinosara zvinogovaniswa zvakaenzana pakati pemukwanyina nevana vako.
• Kana usina mwana kana murume/mukadzi, pfuma yako inogovaniswa zvakaenzana pakati pevabereki vako. Kana mumwe chete ari mupenyu, mubereki iyeye anowana pfuma yako yose.
• Kana usina vabereki vasara, vanin’ina vako vachawana pfuma yako. Kana vasina kuraramawo, vana vavo (vazukuru vako) mumwe nomumwe anowana mugove wake.

Zvakakosha kuziva kuti vakaroorana, vamwe vanokosha, vamwe vadikani uye kunyange mhuka dzinovaraidza hadziwanzoverengerwa mumitemo yepurovhinzi. Kana uine zvimwe zvishuwo zvine chekuita neavo vaunonyanya kufarira, zvakakosha kuti kuita wiri kunova chinhu chekutanga.

Pane kukwidziridzwa kune kusafadza uye kusagadzikana kwandiri here?

Ichi chikamu chekunyora wiri icho vanhu vazhinji vanopotsa. Zvinogona kuva zvinopengenutsa kutsaura maawa mashoma kuti ugamuchire kufa kwomunhu uye kuita zvirongwa zveimba nenzira yakafanira. Kunyora wiri chinhu chakura kwazvo kuita.

Vanhu vazhinji vanotsanangura manzwiro ekuzorodzwa uye rusununguko mushure mekunge zvinhu zvasiiwa zvisina kuitwa zvave kutarisirwa. Zvakafananidzwa nekuzorora kunoperekedza pakupedzisira kuchenesa nekurongedza mugaraji kana imba yepamusoro - mushure mekuimisa kwemakore - kana pakupedzisira kuita basa rinodiwa remazino raitwa. Kuziva kuti vadiwa uye zvimwe zvinhu zvichabatwa zvakanaka kunogona kusunungura, uye kusimudza mutoro iwoyo kunogona kuumba pfungwa itsva yechinangwa muupenyu.

Ndinoda gweta kana notary public kuti ndinyore wiri yepamutemo?

Mhinduro iri nyore ndeyokuti aiwa, haudi kuti gweta rigadzire wiri yakapfava uye nyora yako yepamutemo simba regweta kana zvibvumirano zvinomiririra pamhepo. Kuda kwako hakudi kuziviswa muBC kuti zvive pamutemo. Afidaviti yekuurayiwa ichafanirwa kunyorwa. Nekudaro, notarized affidavit yekuurayiwa haidiwe muBC kana kuda kwako kuchida kupfuura neprobate.

Chinoita kuti kuda kwako kuve pamutemo hakusi kuti wakazviita sei, asi kuti wakasaina nemazvo uye wakazvipupurira. Kune kuzadza-in-the-isina matemplate pamhepo iwe aunogona kushandisa kugadzira kukurumidza kuda kwepasi pe $100. British Columbia parizvino haicherechedzi holographic yakanyorwa nemaoko mawiro akagadzirwa pasina michina michina kana zvapupu. Kana ukanyora wiri yako nemaoko muna BC, unofanira kutevera nzira inogamuchirwa yekuti ipupurwe nemazvo, saka igwaro rinosunga zviri pamutemo.

Sei ndichifanira kufunga nezvekuita gweta kunyora wiri yangu?

“Imba yakarongwa neunyanzvi inogona kubvisa kana kuderedza kushushikana, mutero uye kusawirirana kune vadiwa. Tinoziva kuti kugadzirira zviri pamutemo kunoita kuti zvishuwo zvako zviitwe kuitira mhuri yako nemasangano aunotsigira.”
-Jennifer Chow, mutungamiri, Canadian Bar Association, BC Bazi

Heino mienzaniso mishoma yemamiriro ezvinhu akaoma angangoda zano renyanzvi:

• Kana zvirevo zvako zvetsika zvisina kunyorwa zvakajeka, zvinogona kuita kuti mugari wenhaka (va) wako apedze mari yakawanda uye zvinogonawo kuva chikonzero chekushushikana zvisina kufanira.
• Kana ukasarudza kunyora kuda kwako pabepa, zviri nyore kuti nhengo yemhuri yako kana shamwari yako ikupikisa mudare.
• Kana usingadi kuti murume/mukadzi wako agamuchire chero pfuma yako, unofanira kutsvaga mazano kubva kugweta rewiri neimba nekuti WESA inovasanganisa.
• Kana iwe uchida kudoma sevabatsiri vako vana kana vanhu vakuru vane zvidikanwi zvinoda kuenderera mberi nerutsigiro rwemari, trust inoda kuisirwa izvi mukuda kwako.
• Kana iwe usingadi kuti vana vako vave ivo vanonyanya kubatsirwa, asi vazukuru vako, somuenzaniso, iwe uchada kuronga kuvimba navo.
• Kana iwe uchida kuti mwana mudiki agamuchire kwasara homwe yetrust kana asvika makore gumi nemapfumbamwe, asi iwe uchida kuti mumwe munhu asiri muiti atarise homwe iyi yekuvimba; kana kuti kana muchida kutaura kuti mari yacho inofanira kushandiswa sei kubatsira anenge abatsirikana mari yacho isati yaburitswa.
• Kana iwe uchida kupa kune rudo, zvinogona kunetsa kuimisa, kudoma zita resangano uye kuvabata kuti vaite hurongwa. (Uyezve, ungada kuvimbisa kuti nzvimbo yako inogamuchira mutero wekubatsira kuti udzikise huwandu hwemitero yainofanira kubhadhara. Haasi masangano ese anogona kuburitsa marisiti emitero.)
• Kana iwe uri pakati pekurambana, kana kuti uri kunetseka pamusoro pekuchengeta mwana mushure mekuparadzana, zvinogona kukanganisa pfuma yako.
• Kana iwe uine chivako nemunhu wechitatu, semuroja-mu-wakajairika, muiti wetestamende yako anogona kupinda mumatambudziko achipfuura chikamu chako chepfuma, apo muitisi wako anoda kuitengesa.
• Kana iwe uine nzvimbo yekuvaraidza, nzvimbo yako ichakwereta capital gains tax parufu rwako.
• Kana iwe uchimhanyisa yako kambani kana iwe uri mugoveri wekambani, kuda kwako kunofanirwa kuve nekutaura chaiko kwezvishuwo zvako zveramangwana rekambani.
• Iwe unoda kusarudza kuti ndiani achachengeta mhuka dzako dzinovaraidza kana kutanga pet fund mukuda kwako.

Vese magweta uye notaries veruzhinji vanogona kugadzirira zvido muBritish Columbia. Chikonzero nei uchifanira kukumbira gweta kuti vakupe zano ndechekuti havangokwanise kukupa gweta remutemo chete asiwo kudzivirira pfuma yako mudare.

Gweta haringokupa gwara remutemo chete asi vanozoona kuti zvishuwo zvako zvekupedzisira hazvigadziriswe. Kana mumwe wako kana mwana wako achitsvaga danho rekuda kuchinja, gweta rinotsigirawo muiti wawakasarudza nemaitiro aya.

Magweta ekuronga dzimba anogona zvakare kukubatsira nenyaya dzakadai semutero wemari, vana vadiki kana ukafa usati wakura, zvivakwa neinishuwarenzi yehupenyu, michato yechipiri (ine kana isina vana) uye hukama hwemutemo.

Chii chinonzi probate muna BC?

Probate ndiyo maitiro ematare eBC achigamuchira zviri pamutemo kuda kwako. Haasi nzvimbo dzose dzinoda kupinda kuburikidza nekuongorora, uye mitemo yebhangi rako kana sangano rezvemari rinowanzoona kana vachida rubatsiro rwekuongorora vasati vasunungura zvinhu zvako. Iko hakuna mari yekuongorora muBC kana nzvimbo yako iri pasi pe $25,000, uye mubhadharo wakatsetseka wezvivakwa zvakakura kudarika $25,000.

Kuda kwangu kungapikiswa nekupidigurwa here?

Kana vanhu vachigadzirira zvido zvavo muna BC, vazhinji havafungi kuti vagari venhaka yavo, kana vamwe vangango batsirika vanotenda kuti vane zvikonzero zviri pamutemo, vanogona kutanga hondo yepamutemo kuti vashandure mitemo vachivafarira. Nehurombo, kukwikwidza wiri nechiziviso cheKurambwa kwakajairika.

Kupikisa kuda kunogona kuitwa pamberi kana mushure mekunge chirongwa chekuongorora chatanga. Kana pasina dambudziko rinoitwa, uye kuda kunoratidzika kunge kwaitwa nemazvo, kunowanzoonekwa sekwakakodzera nedare panguva yekuongorora. Kutongwa kwacho kuchamiswa, zvisinei, kana munhu akapomera chimwe chezvinotevera:

• Chido chacho chakaitwa zvisina kunaka
• Muiti wetestamende akanga asina simba retesitamende
• Pesvedzero isina kufanira yakaitwa pamutendi
• Kusiyana kune kuda kunodiwa pasi pemitemo yeBritish Columbia
• Mutauro wakashandiswa muwiri hauna kujeka

Kuve nekugadzirira kuda kwako nekuraira kwe gweta rewiro uye estate unokwanisa kuona kuti kuda kwako hakusi kushanda chete asi kunozoramba uchipikisa mudare.

Resources

Mitemo inogadziridza kuti zvido zvinosainwa sei, zvinopupurirwa

Wills, Estates and Succession Act – [SBC 2009] Chitsauko 13