Buy a house with equity and loan, renovate through property sale

But if you get married immediately in front of the house, then the shares don't matter. Whether 50:50, 100:0 or 0:100, the increase in value at the end of the marriage is the same, and it is divided 50%. The difference lies only in whose pocket the money in the form of the house is when balancing out. So who has to pay out. Everyone receives the same amount, completely independent of the shares in the land register!

When you get married, you must let go of thoughts like "my house," "I paid it off," etc. You build wealth together, which belongs 50% to each. Yes, even if one earns €10,000 net and the other earns €0. In the end, everyone gets half of every euro in the account and the value of the house.

Minus what was there before, of course.

Yes, of course, the starting assets are subtracted from the ending assets. I have presented it somewhat simplified. It becomes even more interesting if, at the end, there is less than that, as of today, for example due to depreciation of the property caused by sharply rising interest rates, or if money was simply wasted.

Therefore, I would always recommend a marriage contract for additional rented properties. But only because of the additional properties, not the joint one. For the joint property, I find the classic arrangement completely sufficient.

Thank you for your input! We'll look into some dates...

Next question: We have 3 financing offers from the broker. We also inquired elsewhere, but they had less favorable offers:

1) Local savings bank (40km away) - 20 years fixed interest - interest 2.80 (nominal), 2.86 (effective) - amount €475,000 - installment €2000 - remaining debt €187K - ~9 years until retirement
2) DKB - 25 years fixed interest - 2.93 (nominal), 2.99 (effective) - amount €475,000 - installment €2000 - remaining debt €102K - ~4 years until retirement
3) DKB - 30 years full repayment - 2.98 (nominal), 3.04 (effective) - amount €475,000 - installment €2000 - remaining debt €0 - finished 1 year after retirement

Currently, we are leaning toward the 20-year one due to expected inflation, salary development, and inheritance prospects. What do you think?

Small update: managed to get the interest rate for the 20 years down to 2.65% through comparison offers and secured the conditions. Now waiting for the bank :)

Small update: we managed to get the interest rate down to 2.65% for the 20 years through comparison offers and secured the terms. Now waiting for the bank :)

With your amazing creditworthiness such a lousy interest rate, of course compared to past years. You can imagine where financing with higher loan-to-value ratios and worse credit ratings is currently heading... :oops: