Bank wants co-ownership of the property - experiences?

I would like to contractually agree that the money she deposited will be paid out to her in the event of a divorce.

What you want is a second interest-free lender who, in case of separation, gets her "loaned" money back from you (Sorry, that is at the very least still not enough...). Then you have to manage the whole project alone, but obviously you can't handle that – that's what the bank is trying to "convey" to you.

If you really go in this direction and practically everything is yours, and if you care about a fair partnership, then you should find a balance – acquire a rental property and pay it off, and then it belongs to her in case of separation...

GD

Crazy bank. Although she is right with her statement - without you having an agreement among yourselves - I have never heard of such a requirement in almost 30 years in the financing business. It is not a credit-related, but merely a moral demand/condition.

What you and your partner do can be seen as good or bad (without regulation I also think it’s dumb). However, from the bank’s point of view, it can be totally irrelevant. If your parents also were to guarantee, should they then also become owners? Nonsense...

I didn't say anything about a gift… Nest building is something different. If necessary, one has something notarized or makes a private contract.

But (selling) is simply not possible. What kind of legal construct and alternative to a gift/sale is "nest building" supposed to be then? :)

I’m at a loss. Did I miss something? Why is the bank meddling in private affairs – Vatican bank or what? Somehow it smells more like: Let’s see if we can still hit the guy with other, more expensive conditions.

I would break it off with the bank and find someone else. Otherwise, this could get interesting...

Or you show her this thread and you just break up right away. :D

She is following along and I am discussing it with her.

She doesn't even want to get it as a gift; she wants to be paid later for the part she contributes. The question is whether we comply with the bank's wishes, I give it away as a gift, and somehow arrange that I simply get the share of the property back after the separation and give her her money.

Sale or purchase just doesn’t work. So what kind of legal construct and alternative to a gift/sale is „Nestbau“ then? :)

Seriously? - I understood YPG very well!
You have to, for example, gift - and contractually arrange something so that in case of separation it cannot be forcibly auctioned or goes to you at price X or whatever...
As I said, none of this has anything to do with building a house together as spouses anymore - but a lot is possible...
GD