{"id":1399,"date":"2023-08-10T11:32:13","date_gmt":"2023-08-10T11:32:13","guid":{"rendered":"https:\/\/theme-dev.cmsmasters.net\/magazine-sport\/erling-haaland-latest-and-injury-updates-from-todays-press-conferences\/"},"modified":"2024-08-05T10:09:24","modified_gmt":"2024-08-05T10:09:24","slug":"erling-haaland-latest-and-injury-updates-from-todays-press-conferences","status":"publish","type":"post","link":"https:\/\/new.bizz.io\/sl\/2023\/08\/10\/erling-haaland-latest-and-injury-updates-from-todays-press-conferences\/","title":{"rendered":"Kako ravnati z nepremi\u010dnino in kreditom ob lo\u010ditvi: Prakti\u010dni vodnik"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1399\" class=\"elementor elementor-1399\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad6be7 e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"7ad6be7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ca3f1c cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"4ca3f1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Lo\u010ditev prina\u0161a mnoge spremembe, med drugim tudi potrebo po reorganizaciji finan\u010dnih zadev. Ko se partnerja odlo\u010dita za lo\u010ditev, je eden izmed najpomembnej\u0161ih korakov urejanje vpra\u0161anja skupne nepremi\u010dnine in morebitnega hipotekarnega kredita. To obdobje zahteva racionalno razmi\u0161ljanje in skrbno na\u010drtovanje, da bi se izognili dodatnim finan\u010dnim te\u017eavam.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6025794 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"6025794\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">Komunikacija in sporazum<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-738df44 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"738df44\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Za\u010detek procesa naj bo odprt pogovor. Pomembno je, da sta oba partnerja iskrena glede svojih finan\u010dnih \u017eelja in pri\u010dakovanj. Sporazumno dogovarjanje lahko mo\u010dno olaj\u0161a postopek delitve premo\u017eenja in zmanj\u0161a potrebo po dragih pravnih storitvah.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-764c882 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"764c882\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mo\u017enosti za ravnanje z nepremi\u010dnino<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13f0de5 cmsmasters-trigger-icon-view-framed cmsmasters-title-alignment-left cmsmasters-item-icon-position-left cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-toggles cmsmasters-widget-toggles\" data-id=\"13f0de5\" data-element_type=\"widget\" data-settings=\"{&quot;toggles&quot;:[{&quot;toggle_title&quot;:&quot;Skupno lastni\\u0161tvo&quot;,&quot;toggle_content&quot;:&quot;&lt;ul&gt;&lt;li style=\\&quot;font-weight: 400;\\&quot; aria-level=\\&quot;1\\&quot;&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Partnerja se lahko dogovorita, da ohranita nepremi\\u010dnino kot skupno lastnino in nadaljujeta z odpla\\u010devanjem kredita. Ta mo\\u017enost zahteva jasne dogovore o uporabi nepremi\\u010dnine in delitvi stro\\u0161kov.&lt;\\\/span&gt;&lt;\\\/li&gt;&lt;\\\/ul&gt;&quot;,&quot;_id&quot;:&quot;745b01a&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;toggle_title&quot;:&quot;Izpla\\u010dilo in prevzem lastni\\u0161tva&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Eden od partnerjev lahko izpla\\u010da drugemu njegov dele\\u017e v nepremi\\u010dnini in prevzame popolno odgovornost za kredit. To zahteva ponovno ocenitev kreditne sposobnosti in morebitno prestrukturiranje kredita.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;3bf3c09&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;_id&quot;:&quot;52d7171&quot;,&quot;toggle_title&quot;:&quot;Prodaja nepremi\\u010dnine&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;\\u010ce se partnerja ne moreta dogovoriti o nadaljnjem lastni\\u0161tvu, je mo\\u017enost prodaje nepremi\\u010dnine. Iztr\\u017eeni znesek se nato uporabi za popla\\u010dilo kredita, preostanek pa se razdeli med partnerja.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;toggle_title&quot;:&quot;Zamenjava kreditojemalca&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;\\u010ce en partner \\u017eeli ostati v nepremi\\u010dnini, a ni sposoben samostojno odpla\\u010devati kredita, je mogo\\u010de iskati tretjo osebo (npr. dru\\u017einskega \\u010dlana), ki bi prevzela obveznosti kredita.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;35f20d8&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;}],&quot;default_toggle&quot;:&quot;1&quot;,&quot;type&quot;:&quot;toggles&quot;}\" data-widget_type=\"cmsmasters-toggles.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/elementor\/css\/cmsmasters-custom-widget-cmsmasters-toggles.min.css?ver=1728123085\"><div class=\"elementor-widget-cmsmasters-toggles__list\" role=\"tablist\"><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2091\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2091\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Skupno lastni\u0161tvo<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2091\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2091\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Partnerja se lahko dogovorita, da ohranita nepremi\u010dnino kot skupno lastnino in nadaljujeta z odpla\u010devanjem kredita. Ta mo\u017enost zahteva jasne dogovore o uporabi nepremi\u010dnine in delitvi stro\u0161kov.<\/span><\/li><\/ul><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2092\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2092\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Izpla\u010dilo in prevzem lastni\u0161tva<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2092\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2092\"><p><span style=\"font-weight: 400;\">Eden od partnerjev lahko izpla\u010da drugemu njegov dele\u017e v nepremi\u010dnini in prevzame popolno odgovornost za kredit. To zahteva ponovno ocenitev kreditne sposobnosti in morebitno prestrukturiranje kredita.<\/span><\/p><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2093\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2093\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Prodaja nepremi\u010dnine<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2093\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2093\"><p><span style=\"font-weight: 400;\">\u010ce se partnerja ne moreta dogovoriti o nadaljnjem lastni\u0161tvu, je mo\u017enost prodaje nepremi\u010dnine. Iztr\u017eeni znesek se nato uporabi za popla\u010dilo kredita, preostanek pa se razdeli med partnerja.<\/span><\/p><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2094\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2094\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Zamenjava kreditojemalca<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2094\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2094\"><p><span style=\"font-weight: 400;\">\u010ce en partner \u017eeli ostati v nepremi\u010dnini, a ni sposoben samostojno odpla\u010devati kredita, je mogo\u010de iskati tretjo osebo (npr. dru\u017einskega \u010dlana), ki bi prevzela obveznosti kredita.<\/span><\/p><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ab293a cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"0ab293a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Upravljanje s kreditom<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71c84c6 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"71c84c6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ob lo\u010ditvi je klju\u010dnega pomena, da se kreditne obveznosti urejajo pravo\u010dasno, da se izognejo morebitnim zamudam pri pla\u010dilih, ki bi lahko negativno vplivale na kreditno sposobnost obeh partnerjev. Obrnite se na banko ali kreditodajalca in raziskujte mo\u017enosti prestrukturiranja ali refinanciranja kredita.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e627dac cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"e627dac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pravni in finan\u010dni svet\n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-169453e cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"169453e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">V procesu lo\u010ditve je priporo\u010dljivo poiskati strokovno pomo\u010d. Pravni svetovalci lahko pomagajo pri uradnih dogovorih in pogodbah, finan\u010dni svetovalci pa pri iskanju najbolj\u0161ih re\u0161itev glede na trenutno finan\u010dno situacijo obeh partnerjev.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9c0d13 e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"f9c0d13\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04b0b89 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"04b0b89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Premi\u0161ljena odlo\u010ditev v \u010dasu prehoda<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2569b58 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"2569b58\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lo\u010ditev zahteva preudarne odlo\u010ditve, \u0161e posebej ko gre za skupno premo\u017eenje in dolgove. S sodelovanjem, jasno komunikacijo in iskanjem kompromisov lahko partnerja najdeta re\u0161itev, ki bo v najbolj\u0161em interesu obeh. Pomembno je, da sta oba partnerja pripravljena prilagoditi svoje finan\u010dne na\u010drte novim okoli\u0161\u010dinam in si zagotoviti stabilno finan\u010dno prihodnost.<\/span><\/p><p><span style=\"font-weight: 400;\">Lo\u010ditev je nedvomno eden izmed najbolj stresnih \u017eivljenjskih dogodkov, ki prina\u0161a s seboj ne le \u010dustvene, ampak tudi kompleksne finan\u010dne izzive, \u0161e posebej ko gre za skupno premo\u017eenje in dolgove, kot sta nepremi\u010dnina in hipotekarni kredit. Klju\u010d do uspe\u0161nega re\u0161evanja teh izzivov le\u017ei v odprti komunikaciji, sodelovanju in iskanju skupnih re\u0161itev, ki spo\u0161tujejo interese obeh strani.<\/span><\/p><p><span style=\"font-weight: 400;\">Sporazumno dogovarjanje, jasni pravni dogovori in skrbno finan\u010dno na\u010drtovanje so temeljni koraki k zagotavljanju, da oba partnerja izidejo iz lo\u010ditvenega procesa z jasnim razumevanjem svojih pravic in obveznosti ter postavljenimi temelji za finan\u010dno neodvisno prihodnost. Mo\u017enosti kot so skupno lastni\u0161tvo, izpla\u010dilo in prevzem lastni\u0161tva, prodaja nepremi\u010dnine ali zamenjava kreditojemalca ponujajo razli\u010dne poti za re\u0161evanje teh vpra\u0161anj, vsaka s svojimi specifi\u010dnimi prednostmi in izzivi.<\/span><\/p><p><span style=\"font-weight: 400;\">Vendar pa je, ne glede na izbrano pot, bistvenega pomena pravo\u010dasno in odgovorno upravljanje s kreditnimi obveznostmi, da se za\u0161\u010diti kreditna sposobnost obeh partnerjev in prepre\u010di dodatne finan\u010dne te\u017eave. Strokovna pomo\u010d pravnih in finan\u010dnih svetovalcev lahko ponudi neprecenljive vpoglede in podporo v tem te\u017ekem obdobju, zagotavljajo\u010d, da so odlo\u010ditve sprejete na podlagi celovitega razumevanja mo\u017enosti in potencialnih posledic.<\/span><\/p><p><span style=\"font-weight: 400;\">Lo\u010ditev torej zahteva ve\u010d kot le emocionalno odpornost; zahteva tudi finan\u010dno preudarnost in zmo\u017enost gledati naprej proti novim za\u010detkom. Z jasno komunikacijo, odprtostjo za kompromise in osredoto\u010denostjo na dolgoro\u010dne cilje lahko partnerja skupaj najdeta pot skozi finan\u010dne vidike lo\u010ditve in polo\u017eita trdne temelje za svojo prihodnjo finan\u010dno blaginjo.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ca643f cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-animated-text\" data-id=\"6ca643f\" data-element_type=\"widget\" data-settings=\"{&quot;select_effect_resource&quot;:&quot;resource_1&quot;,&quot;animation_effect&quot;:&quot;effect_6&quot;,&quot;animated_text_loop&quot;:&quot;yes&quot;,&quot;animated_scroll&quot;:&quot;yes&quot;,&quot;animated_distance&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:60,&quot;sizes&quot;:[]}}\" data-widget_type=\"cmsmasters-animated-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! cmsmasters-elementor-addon - v1.13.1 - 18-07-2024 *\/\n.elementor-widget-cmsmasters-animated-text__animated-text{position:relative}.elementor-widget-cmsmasters-animated-text__animated-text-wrapper{transition:all .1s ease}.elementor-widget-cmsmasters-animated-text__scroll-animated{opacity:0;visibility:hidden}.elementor-widget-cmsmasters-animated-text__animated-scroll-run{opacity:1;visibility:visible}.elementor-widget-cmsmasters-animated-text__effect,.elementor-widget-cmsmasters-animated-text__effect .letter{display:inline-block}.elementor-widget-cmsmasters-animated-text .effect_3,.elementor-widget-cmsmasters-animated-text .effect_4{overflow:hidden}.elementor-widget-cmsmasters-animated-text .effect_4 .letter{transform-origin:0 100%}.elementor-widget-cmsmasters-animated-text .effect_5 .letter{transform-origin:50% 100%}.elementor-widget-cmsmasters-animated-text .effect_6 .letter{transform-origin:0 0}<\/style><div class=\"elementor-widget-cmsmasters-animated-text__animated-text-wrapper elementor-widget-cmsmasters-animated-text__scroll-animated\">\n\t\t\t<h5 class=\"elementor-widget-cmsmasters-animated-text__animated-text\"><span class=\"elementor-widget-cmsmasters-animated-text__animated-text-single elementor-widget-cmsmasters-animated-text__effect effect_6\">\n\t\t\t<span>Pomembno je, da sta oba partnerja pripravljena prilagoditi svoje finan\u010dne na\u010drte novim okoli\u0161\u010dinam in si zagotoviti stabilno finan\u010dno prihodnost.<\/span>\n\t\t<\/span><\/h5>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Lo\u010ditev prina\u0161a mnoge spremembe, med drugim tudi potrebo po reorganizaciji finan\u010dnih zadev. <\/p>","protected":false},"author":1,"featured_media":35632,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"video","meta":{"_acf_changed":false,"pmpro_default_level":"","footnotes":""},"categories":[75,120],"tags":[106,105,107],"post_template":[64],"top_category":[],"class_list":["post-1399","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-osnova-financ","category-prakticni-nasveti","tag-kredit","tag-locitev","tag-nepremicnina","post_format-post-format-video","post_template-video","pmpro-has-access"],"acf":[],"_links":{"self":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts\/1399"}],"collection":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/comments?post=1399"}],"version-history":[{"count":8,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts\/1399\/revisions"}],"predecessor-version":[{"id":35579,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts\/1399\/revisions\/35579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/media\/35632"}],"wp:attachment":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/media?parent=1399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/categories?post=1399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/tags?post=1399"},{"taxonomy":"post_template","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/post_template?post=1399"},{"taxonomy":"top_category","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/top_category?post=1399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}