Building a house in a marriage-like partnership - How do partners secure themselves?

He didn't write anything about that either, but that is something that must not be ignored. Because in an emergency, that can become quite expensive.

Get thorough advice from a specialist about the disadvantages of "not being married" and be aware of these problems or solve them.

I am also interested in the topic... Who would be the right specialist for these questions?

Best regards, Steffi

Someone who is familiar with inheritance tax law. This could be, for example, tax advisors or lawyers, but also bankers or insurance agents with corresponding knowledge.

But by far not everyone is familiar with it.

Warning - tax traps!!!

If persons A and B (unmarried) build a house and, to secure the other party, for example, take out a term life insurance, inheritance tax may be due, and not just a little. Not only for the house. Also for any insurance payment! And loans cannot be offset against this.

Get detailed advice from a specialist about the disadvantages of "not being married" and be aware of these problems or resolve them.

Keyword e.g. policyholder not equal to beneficiary!

Hmm, this exact situation will "initially" apply to my girlfriend and me. Then we really need to get detailed advice. Is it possible to avoid this unmarried? Registered partnership or something like that?

Thank you very much for the answers.

Our primary concern is actually the fair protection of both partners. Otherwise, my girlfriend would stand "with nothing" at time x, although she has contributed significantly to the development of "my" assets. From ONeill's reply, I understand that a partnership agreement can be an alternative to the ownership share registered in the land register?

Of course, the question is also interesting how to keep the costs (taxes, fees, etc.) resulting from the transfer of ownership or other forms of partnership protection as low as possible :)

Best regards.

A term life insurance can be taken out crosswise between unmarried partners, then the problem with the taxes does not arise.