Since the numbers are interesting to some: the property is worth about €600,000 (according to the bank) and was inherited. It is in my ownership. The house costs another €700,000 including incidental construction costs (rounded up) and I am contributing €410,000 in equity. My wife’s bank assets amount to €25,000. The plan was that I would cover most of the installment (€1,800 in total) and she only a fraction, so basically I pay €1,500 and she €300. If you want to see it that way, like proportional rent. And whether she “finances” my loan with that or currently finances the credit/living standard of our landlord (without acquiring ownership or interest from our current rental apartment) I thought doesn’t really matter in the end. Only that later she live with me for €300 on 180m2 and not just on the small fraction. For €300 you can’t even get a room in a shared apartment here.
I/We find it overall interesting that it is advised against having a marriage contract in this constellation. From the perspective of the financially weaker party this is certainly attractive. But in the event that I now get the loan only if I let her be registered (which currently corresponds to a gift), there will of course have to be arrangements from my point of view. Paying out would probably be possible since I still own properties/real estate abroad that I could sell then (if I want to keep them). Unfortunately, these could not be included as collateral because they are abroad (I don’t quite understand that, but that’s what I was told).
That may not be true love for some, but one should maybe discuss love and its form somewhere else :) And since we are talking about love: many here apparently assume a classic, heterosexual marriage where I am the man who lets the poor woman raise the children and do the cleaning for free so that she ends up with nothing. Without considering that we might both be women, who both could have children and both do the cleaning (which in my observation men can do too – cleaning, and some even raise a child :) ) but one simply has a lot more capital through inheritance.
In some places I formulated unclearly, which raises questions or doubts, so: The bank did not want a new land register entry from us within 24 hours, but a draft transfer agreement. We have now submitted this for the time being. We are now discussing the arrangement. And, which again may seem incredibly unloving to some, I would like to secure this share already. Whether “looking for another bank” is the solution, I don’t know, since after thinking about it longer I can of course understand that banks don’t like such constellations (one person is liable for everything but has nothing – roughly speaking) because in the end the validity/existence of the loan agreement might be questioned. But one can try anyway :)