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For married couples, this date is set to when the County Governor receives the separation application; otherwise, it must be set to when one of the parties moves out.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"What you acquire after the cut-off date you keep yourself. 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You should get an overview of your income, expenses, assets and debts. This can help you understand how you can manage financially on your own and what options you have. You must consider, among other things, the division of assets, the sale and purchase of property, as well as any children and child maintenance. \",\"isTranslated\":true}]}],\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Division of assets\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When you need to explore your options for whether you can afford to get divorced, the division of assets is an important factor. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Have you agreed on separate property? \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Do you mostly agree on who owns what? \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Or will there be problems leading to the sale and division of money? \",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Here it is wise to get help from financial advisers and solicitors who can assist you with proper valuation. 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Securing your children's financial future is important, and you should consider how your own finances will manage sole responsibility for the child – if you have it.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Will you be able to afford and have the means to pay child maintenance? The amount can vary depending on a number of factors, including income, number of children and the child's needs.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Whether child maintenance is income or expenditure for you depends on the division of responsibility for the children.\",\"isTranslated\":true}]}],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":true,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Read about child maintenance\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.nav.no/barnebidrag\",\"href\":\"https://www.nav.no/barnebidrag\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"actionCardItem\"}}],\"_meta\":{\"id\":\"actionCardsV2\",\"anchorId\":\"a8259eda2-7af6-4cf9-b0cb-1e3599c5be9e\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"What is required to get divorced\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"noImage\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"There are several steps in a divorce, including applying for separation and divorce, completing separation papers and agreeing on a settlement agreement. 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It is therefore important to seek legal and financial advisory services from DNB to understand your rights and options.\",\"isTranslated\":true}]}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"altText\":\"\",\"id\":\"\",\"isTranslated\":true,\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"standard\":\"Wide-1\"}},\"_meta\":{\"id\":\"textBlockV2\",\"anchorId\":\"ad85f18dc-6f6d-4458-97c5-62dbd8fd3b4d\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"\",\"variant\":\"withSubHeaders\",\"isTranslated\":true,\"noSubHeaderVariant\":\"imageRight\",\"textSections\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"isTranslated\":true,\"heading\":\"Applying for divorce and separation\",\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The first step when you wish to get divorced is to apply for separation with the County Governor. You must be separated for one year before you can apply for divorce. If you have already lived apart for at least two years whilst married, you can apply for divorce immediately. During the year you are separated, you are still considered married to each other.\",\"isTranslated\":true}]}],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":true,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Apply for separation\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.statsforvalteren.no/nb/portal/Folk-og-samfunn/separasjon-og-skilsmisse/\",\"href\":\"https://www.statsforvalteren.no/nb/portal/Folk-og-samfunn/separasjon-og-skilsmisse/\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"textBlockV2WithSubHeaderItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"isTranslated\":true,\"heading\":\"Separation papers and settlement agreement\",\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Applying for separation can either be done digitally through the County Governor's website, or by submitting documents. These are legal documents that may contain important information that can affect the divorce and rights to assets and parental rights. 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This means that each cohabitant retains their own assets and debts. Everything you can document in terms of ownership is an advantage for a clear settlement. Such documentation may include a cohabitation agreement, land registry documents for property ownership, tax returns, purchase contracts, bank statements and more. Anything that cannot be documented should be divided 50/50.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"With a customer programme at DNB, you have access to discounts and forms from Ally Advokater that will assist in the legal process.\",\"isTranslated\":true}]}],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"View your legal benefits\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/en/customer-loyalty-programme/advantages/ally\",\"href\":\"/en/customer-loyalty-programme/advantages/ally\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"selfSegmentationItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"labels\":[\"Divorce between spouses\"],\"title\":\"Divorce between spouses\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The Marriage Act states that everything you have acquired together whilst you were married is joint property and must be divided. At the same time, it is important to be aware that this does not apply to what you owned on the day you got married. If you had assets or property in your name before you got married, or have received personal gifts or inheritance along the way, this must be excluded from the division (Marriage Act §59). 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Especially when it must be determined whether everything should be divided based on joint property, or whether there are also assets in unequal division and separate property. The financial settlement between the spouses is what we call a division of an estate. The vast majority of spouses manage to agree on a distribution of funds and assets, but if no agreement is reached, a public division of an estate can be requested. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have an overview of your own assets, you can use the divorce calculator from Ally Advokater. The divorce calculator is only intended as a guide so that you can get an estimate for calculating the financial settlement in a divorce.\",\"isTranslated\":true}]}],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":true,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Try the divorce calculator\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"frontend.allyjuss.no/kalkulator/skifte/info\",\"href\":\"https://frontend.allyjuss.no/kalkulator/skifte/info\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"selfSegmentationItem\"}}],\"_meta\":{\"id\":\"selfSegmentation\",\"anchorId\":\"a468c1944-b945-4b00-9183-034c61302b97\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"How to determine who owns what? \",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"imageLeft\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The unequal division rule in the Marriage Act §59 means that assets you owned at the time of entering into the marriage are still yours when the marriage ends. Joint property applies to what you have saved, purchased in terms of property or expensive items whilst you were married. Joint property must be divided in two. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"To determine what is separate and what is joint, you should obtain the following documentation: \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Tax returns, from the year you got married up to and including the present date.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Annual statements from the bank, on savings accounts, funds, shares and debt, from before you got married and what you have now.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Registration documents or any private agreements that regulate ownership interest in property and cabin or similar.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Purchase contracts for property or valuable items bought before entering into marriage.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Deed of gift or inheritance documents that show what you have received personally whilst you were married.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The parties can in principle agree themselves on how unequal division shall take place, but both can demand it when a decree for separation or divorce has been granted. The parties can also demand division if they have agreed in a marriage settlement that the division shall take place, and how.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A small reminder: If you have children, avoiding conflict can have far greater value than the last penny.\",\"isTranslated\":true}]}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"height\":4016,\"altText\":\"liability insurance\",\"dynamicMediaPath\":\"dnbbank/3312075\",\"isVector\":false,\"id\":\"/content/dam/brandcentre/no/7/33/12/0/3312075.jpg\",\"width\":6016,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"mobile\":\"\",\"tablet\":\"\",\"standard\":\"None-1\"},\"currentBaseCroppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"default\":\"None\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/3312075\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3312075\",\"profiles\":{\"None-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/3312075?fit=constrain,1&wid=6016\"}}},\"_meta\":{\"id\":\"textBlockV2\",\"anchorId\":\"aee0fc017-86cf-4a0a-a3dd-ae86300d61d0\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"How to divide the property value?\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"imageLeft\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The vast majority of people in Norway own joint property, and it is often regarding the division here that disagreements arise. If you have a joint home equity credit line (HELOC), you must request to have the facility blocked so that the co-borrower cannot withdraw from the credit line, thereby increasing the debt on the property. This can affect the division process.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you agree to sell, it is simplest; the market will determine the value and you divide the profit according to ownership share. If, however, one party wishes to buy out the other, you must agree on the value. The easiest way is to have an estate agent carry out a valuation, or obtain two different valuations and use the average.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Once the value has been established, the new ownership arrangement must be registered with the Norwegian Mapping Authority. In the case of separation, you are exempt from paying stamp duty. Regarding the mortgage, you must contact an adviser at the bank to transfer it to the correct person.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you cannot agree on who should take over the property, either of you can demand that the property be sold. 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