Are we crazy? Is this doable? Risk too high?

Which residential unit is going to be vacated?

If I understood correctly, it’s about the apartment where the brother currently lives, which would become available if he moves into the house.

The question of whether partners should be included in the land register or not is irrelevant. The two siblings bring the property and have the responsibility with the loan. The life partners have no risk and pay their normal share of the rent. They have to pay that anyway in the rental apartment. If things end with the partner, the responsible ones can pay the installment themselves. Done.

If the life partners really want to be included in the land register, they can buy half of the property and pay accordingly. Provided the siblings want to sell. Then it would be a different story and everyone would be in the land register. But I would not recommend this option in your case.

So, from the constellation point of view, I don’t find it problematic at all.

Price-wise, of course, it's quite a statement. At that age, such numbers... phew... if of course, there is an inheritance (regardless of the house), which no one should expect, blah blah, it's different. But still... it’s quite a statement to have 300k debts under 30 and anchored to the location.

Definitely doable. But from today's point of view, I wouldn’t do it. But hey, every person is different.

I also don't understand why the brothers are listed separately from the girlfriends when it comes to the finances here. Either all separately or the couples together...or are you already assuming that nothing lasting will come of the girlfriends, then you should just leave it.

Why? They are just stupid naive co-payers. After a potential marriage, no one else will be entered in the land register