  We study the competition of magneto-dipole, anisotropy and exchange
interactions in composite three dimensional multiferroics. Using Monte Carlo
simulations we show that magneto-dipole interaction does not suppress the
ferromagnetic state caused by the interaction of the ferroelectric matrix and
magnetic subsystem. However, the presence of magneto-dipole interaction
influences the order-disorder transition: depending on the strength of
magneto-dipole interaction the transition from the ferromagnetic to the
superparamagnetic state is accompanied either by creation of vortices or
domains of opposite magnetization. We show that the temperature hysteresis loop
occurs due to non-monotonic behavior of exchange interaction versus
temperature. The origin of this hysteresis is related to the presence of stable
magnetic domains which are robust against thermal fluctuations.
