Approaches to solutions after unmarried separation

Why should she get paid anything? No equity was contributed, and hardly anything has been paid down. At the moment, it’s 100% financing against the house, zero assets.

Something similar happened to a friend of mine (a long time ago). He bought a house with his partner, then there was some renovation left to do – the relationship ended before moving in. He then bought her half, paid the property transfer tax on that half again. But I don’t know how the credit was handled.

If she wanted to get out of the credit agreement, you would have to terminate it, or why would the prepayment penalty be due?

It’s definitely a really nasty situation, and I’m keeping my fingers crossed that you find a solution.

First of all, sort out the land register (with corresponding costs for property transfer tax and notary) and keep your feet still with the bank for now (you pay the installments alone) was obviously not an option because she remains jointly liable for servicing the loan.

Can you afford an additional €22,500 in debt alongside the €1,400 loan? The advantage would be that you might be able to take out the new loan with a lower repayment rate. It would also be interesting to know how high the new interest rate would be.

If she wanted to get out of the loan agreement, the contract would have to be terminated, or why would the prepayment penalty be due?

I am very attached to the house and will continue to report

I can understand that. But it’s wrong to cling to it. And then open a shared flat to keep it? It’s madness to build a house and then fall back to the status of a student shared flat. Strange people in my house? In my kitchen? On my couch? Pooping in my toilet? Never!