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

Is the interest fixed for 20 years? Then I wouldn’t do a thing and get out of there. The probability that you’ll get the same conditions in two years is very, very low. The only winner is the bank.

Thank you for your answer. So you had no problem with the bank that they released your ex-husband and your financing had to be redone?

hm.... what exactly did you tell the bank? Is your ex-husband still listed 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 you, of course, tried to take your ex-husband out of the contract, you might have opened Pandora’s box.

I am on vacation, so I'll keep it brief.
1. Land registry and financing must be separated. The owner is basically irrelevant to the bank - it can auction the house.
2. If the bank learns that a borrower’s creditworthiness has significantly deteriorated, there is a right to terminate according to the terms and conditions. Therefore, it does not have to let the ex out (in private cases I have never seen this happen in reality, as long as the installments are paid).
3. Replacing a borrower in an existing contract is prohibited (account clarity according to KWG).
4. Solution: release of liability for the ex. Guarantee by a third person. Then the financing can run for 20 years, because the bank practically has two debtors.
5. If the bank simply does not feel like it, then you are screwed. But in such a case, I would make a big deal out of it.

So you think that if my parents were to act as guarantors now, my existing financing should be able to continue?