Construction financing, 2 borrowers

P.S. A separation initially does not interest the bank either. There is no obligation to release a partner from liability.

By the way, I assume that you sign a joint loan agreement. Banks normally do not agree to anything else.

Dear PH0110, and if your girlfriend gives you a child and stops working, then the topic of equality is a word that will completely throw you off balance?..
Sorry, that’s not going to work!
Of course, in a partnership, you are both equal, whether one deposits 39% of his small salary and the other 69% of her large salary into the joint account or also into the construction account/loan account.
You are liable to the bank 50/50, and it doesn’t matter how much comes from whom.
If you use your equity and she has none, this can be contractually agreed upon privately for the future, ultimately, in the first few years almost only interest is paid off anyway, so the one who contributed less can be seen as paying his monthly contributions as rent-like expenses and the small equity should morally also be paid back (and only that) – by the one who can afford it or keeps the property.
All this can be arranged internally and privately, since the bank does not care from whom the monthly payment comes.
With your way of thinking, trouble is pre-programmed if it comes to a breakup.
Your fundamental thoughts are justified, but #4 would prevent me from building something together with you as your girlfriend.

100% approval

I know a married couple where there are compensation payments because the wife is responsible for the 2 children, somehow everything is complicated. Was glad to have married and to pool resources.

Hello,

everything is clear so far, financing, land registry entry, and notary have nothing directly to do with each other.

We agree on everything so far, except in the case of a separation and if my girlfriend has paid amount X up to that point. She believes she should be paid out the entire amount X. In my opinion, a certain deduction must be made, or a certain part must be repaid to the bank, since she also lived in the property. How do you see it?

And how does the matter look regarding the land registry? Then she would still be registered in the land registry (thus still having a right to the property), but would have nothing to do with the financing anymore. That is the crucial point for me, to have no obligations anymore, but still have rights in this case.

How can this be regulated with a notarial deed?

And how does the situation look in the case of a gift (amount Y) and we would therefore have to take out a smaller loan. This amount Y should belong 100% to me. However, if two people are registered in the land registry to certain parts, these 100% belong partly to both persons, right? How could one write that in a notarial deed?

PS: We are both equal partners! However, it is about securing ourselves for the case of emergencies.

In my opinion, this will not work.

Will you also regulate notarilly what compensation you pay her because she took care of the children and waived income?

How will increases/decreases in the value of the property be taken into account?