Buying a house with friends: One party's marriage before purchasing the house

  • Erstellt am 2021-05-20 14:39:14

WenFlo88

2021-05-20 14:39:14
  • #1
Hello, my colleague and I would like to buy a house that we were recently offered at a very good price. Since we know the sellers and they are not in a hurry, we still have some time. So far, we are both single but in a relationship. We want to move into an apartment each with our partners after purchasing the house. According to [Beratung], we could take out the loan together (even without our partners). However, one couple has a wedding planned this year. Therefore, the married party must sign the purchase contract together, right? If the financing with my colleague and me is not a problem, does the future spouse still have to meet all the creditworthiness requirements? (e.g., a permanent employment contract, etc.: this is not the case since the future spouse recently changed jobs). If so, would it be advisable to postpone the wedding until after the house purchase, as it might otherwise not be possible to buy the house?

Best regards
 

nordanney

2021-05-20 14:54:44
  • #2

No. Why would they?

The future spouse has nothing to do with that.

How do you come up with that idea?
 

GeradeSchräg

2021-05-20 15:22:33
  • #3
In marriage, theoretically everyone can do whatever they want... If partner A wants to buy a house and is liquid, he can do that.

As long as the signatory services the bank, everything is fine. Even if you bring a partner into the house who does not work and does not earn a cent.
 

i_b_n_a_n

2021-05-20 18:24:29
  • #4
but the bank will deduct a "household contribution" from the net income for this partner ... If the partner does not contribute anything at all, it is deducted from the man's net income.
 

nordanney

2021-05-20 20:04:25
  • #5

The flat rates for one or two persons differ at most marginally from each other.
 

Tassimat

2021-05-20 21:09:02
  • #6

A permanent employment contract is also not an absolute requirement for a loan. In fact, the third person would increase the security for the bank and improve the creditworthiness.
 

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