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Create a cohabitation agreement, and read more about why you should have one here.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"textBlockV2WithSubHeaderItem\"}}],\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"All cohabitants should have a cohabitation agreement – regardless of whether you rent or own together.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A cohabitation agreement describes how you should arrange finances between you, and how you can achieve a fair settlement should you separate. The cohabitation agreement thereby ensures a fair distribution in the event of a break-up.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"It is wise to draw up an agreement early in the relationship, when it is easy to do so amicably.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In a cohabitation agreement, it is important to include elements such as the division of residential and other property, how value appreciation and improvements such as renovations are handled, and what happens to valuable items, inheritance and furnishings.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Tips for the cohabitation agreement\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Update the agreement regularly as you make new financial investments, especially when purchasing a new home or other significant assets.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Create and sign at least three copies of the agreement. For extra security, keep one of the copies with a third party.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you do not have children together and wish to provide benefits to your partner in the event of death, you should prepare a will in addition to the cohabitation agreement.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In partnership with Ally Advokater, DNB can offer programme customers assistance in setting up cohabitation agreements, wills and other relevant contracts.\",\"isTranslated\":true}]}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":true,\"height\":1414,\"altText\":\"Signering av kontrakt\",\"dynamicMediaPath\":\"dnbbank/5033444\",\"isVector\":false,\"id\":\"/content/dam/brandcentre/no/7/50/33/4/5033444.jpg\",\"width\":2121,\"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/5033444\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/5033444\",\"profiles\":{\"None-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/5033444?qlt=100,0&resMode=sharp2&op_usm=1.75,0.3,2,0&fit=constrain,1&wid=2121\"}}},\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Create a cohabitation agreement\",\"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\":\"textBlockV2\",\"anchorId\":\"aaa82f510-6412-4890-9aaf-a545ae0589bf\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"Cohabitation or marriage?\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"imageLeft\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"There is not much that separates being married from being cohabitants, but there are some quite significant legal and financial differences.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When you are married, everything you and your partner have accumulated during the marriage is usually shared, known as joint property. 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Instead, set up joint accounts for shared expenses and savings.\",\"isTranslated\":true}]}],\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Joint current account\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When you decide to move in together, you can open a joint account for fixed household expenses, such as food, bills, housing costs, gifts and other items.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Feel free to order an additional bank card linked to the account, so that you each have your own card to use for purchases.\",\"isTranslated\":true}]}],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Joint account with two bank cards\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/en/dagligbank/konto/felleskonto\",\"href\":\"/content/dnb/open/en/dagligbank/konto/felleskonto\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"actionCardItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Joint savings\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"It is wise to have joint savings goals in a joint savings account. For example, for holidays, home improvements or as a buffer account that provides financial peace of mind. 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This provides a fairer distribution and enables both of you to have money left over each month for personal use, savings or investments.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"One way to do this is to base it on \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"what you receive each month. Then add both incomes together and work out what percentage each of your incomes represents of the total sum. This percentage can be used when calculating how much each person should pay towards shared expenses and savings.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"actionCardItem\"}}],\"_meta\":{\"id\":\"actionCardsV2\",\"anchorId\":\"a1fc6795f-a385-48a0-9e08-37c5aa7d6a09\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"headline\":\"Division of ownership interest when buying a home\",\"variant\":\"withoutSubHeaders\",\"isTranslated\":true,\"textSections\":[],\"noSubHeaderVariant\":\"imageRight\",\"bodyText\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When cohabitants buy a home together, their financial situations often vary. The ownership share each person invests depends on available \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"equity and ability to pay. \",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/kalkulator/laneevne\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/kalkulator/laneevne\"}}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For cohabitants considering buying a home together, different levels of equity are a common scenario. There are several ways to handle this:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The choice of different ownership interests in the property should reflect an equal share of debt. Avoid the trap of paying half the loan when the equity does not correspond to the registered ownership share. A good tip is to include the ownership distribution in the \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"cohabitation agreement.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/kundeprogram/fordeler/ally\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/kundeprogram/fordeler/ally\"}}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Create a private loan between the parties, secured by a charge on the property. This requires a formal loan agreement and should be included in the cohabitation agreement. Establish interest rates and amounts in advance for either ongoing repayment or upon any sale or separation.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"An alternative some choose is to own equal shares, but agree that the one with greater equity must have their deposit covered before the surplus is distributed upon a sale. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In addition to the cohabitation agreement, it is crucial to draw up a will. The cohabitation agreement only applies during life, whilst the will regulates matters upon death. 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