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

Please get good advice before you have someone else entered in the land register. They might not see it the same way as your ex in the event of a separation.

Can you afford the installment?

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

No, it was just a phone call..., that’s why I’m asking here whether this procedure is "normal" for every bank or if I can still have a glimmer of hope that no new financing is needed. Our contract is for 20 years (we have now paid off 8 years and 3 months). Theoretically, I could get out after 10 years, would they want to miss out on 10 years of interest? Otherwise, I would of course ask my ex-husband if he agrees that everything stays as it is for the next few months...

Please get good advice before having someone else entered in the land register. They might see it differently than your ex in the event of a separation. Can you afford the installment?

Sure, I could also involve my parents. Yes, I have been doing it for 2 years without problems. I receive child support and child benefit, holiday pay, Christmas bonus, but the bank is not interested in this and I work 30 hours under the collective agreement.

In every loan agreement it is stated that changes in the economic situation must be reported. However, I do not know if the [Grundbuchänderung] is automatically reported to the bank by the notary. If the bank wanted to, it would probably be able to terminate the loan anyway and let it come to a legal dispute.
Registering someone in the [Grundbuch] is a gift and results in a co-ownership share of the house with all disadvantages regarding inheritance (if the parents are listed) or separation (if the new partner is listed).
If the relationship with the ex-husband is good, keep him in the loan agreement and make a separate contract with him stating that you release him from liability or that he receives something from a possible house sale even if he is no longer an owner.
After 8 years, enough should have been paid off so that the financing is secure for the remaining 12 years.

Every loan agreement states that changes in the economic situation must be reported. However, I don't know if the change in the land register is automatically reported to the bank by the notary. If the bank wanted, it could probably terminate the loan anyway and risk a legal dispute.
Registering someone in the land register is a gift and results in a co-ownership share in the house with all the disadvantages in case of inheritance (if the parents are listed) or separation (if the new partner is listed).
If the relationship with the ex-husband is good, keep him in the loan agreement and make a separate contract with him that you release him from liability or that he receives something from the possible house sale, even if he is no longer the owner.
After 8 years, enough should actually have been paid off so that the financing is secure for the remaining 12 years.

Hello, thank you very much for your reply.
I find this very interesting:
"If the relationship with the ex-husband is good, keep him in the loan agreement and make a separate contract with him that you release him from liability or that he receives something from the possible house sale, even if he is no longer the owner."

Would I probably also have to have something like that notarized? And does the bank have no objection to me simply "releasing him from liability"?

That would be an internal relationship thing. The bank can still go after both of you (jointly and severally) but through your contract, he can then come to you and say, hey, you have to compensate me now, the bank has garnished my salary or something like that.