Conditional release of house, divorce, bringing in a new partner in financing

Hello everyone,

my ex-husband and I separated years ago and have been divorced for 5 months. We had a house together and I bought him out. Our daughter lives with me.

Yesterday I received the message from the bank that they don't trust me to manage the house on my own.... My sole salary would not be enough for the bank. Can someone tell me approximately how much the bank calculates as a flat rate for me and my daughter?

Their suggestion was that I might bring someone else into the financing. I find that very interesting and it would be possible. The big BUT is that a new contract would of course have to be concluded at today's interest rates. Our financing was 8 years ago, back then the interest rate was 1,x ... Question: Is it generally not possible to get a new partner into the financing contract at the same interest rate? Or is it different from bank to bank? I mean, if the interest rates were cheaper today, would they make me the same proposal?

Unfortunately, my case officer is now on vacation and I cannot ask her the questions immediately..., so I hope to get an answer here because otherwise the next few nights will be restless for me.

Hi,

hm.... what exactly did you tell the bank? Is the ex-husband still listed as a debtor there? Or did you have him removed? As long as the installments are paid on time and you don’t try to change anything in the contract, the bank actually has to keep quiet. Of course, if you tried to take your ex-husband out of the contract, you may have opened Pandora’s box.

Best regards,

Andreas

Hi,

hm.... what exactly did you tell the bank? Is the ex-husband still listed there as a debtor? Or did you have him removed? As long as the installments are paid on time and you don’t try to change anything in the contract, the bank basically has to keep quiet. If, of course, you tried to remove your ex-husband from the contract, you might have opened a Pandora’s box.

Best regards,

Andreas

Hello, thank you for your answer.
My ex-husband is supposed to be listed as debtor/or of course he wants to be out/removed. I understand that.
He has "nothing" to do with the house anymore since I paid him out.
It doesn’t bother me at all that the bank has a new partner in the financing; I was just told on the phone back then that they would continue financing under the same conditions, and that’s what I planned on.
I was told that only the name has to be changed in the land register, of course.
But now a completely new financing is supposed to be made, and that surprises me negatively...

How could you pay him out?

I’m calling in here.

How were you able to pay him out? I’m calling in here.

He was very fair and didn’t ask for much because the well-being of his daughter is very important to him.

I was only told on the phone back then that the financing would continue under the same conditions, and I prepared myself accordingly. I was told that only the name would have to be changed in the land register, of course.

Can you somehow prove that? The bank won't remember anything about it anymore.