Construction financing with child support?

2021-01-06 10:52:32

First of all, many thanks for the previous answers.

The teaching internship may last until summer, exactly is not clear. Unfortunately, he is very late with 38, almost 39, as he has also failed one (or several) exams. He could have finished long ago – why he has been studying education for years, we cannot and do not want to judge.

So the ex-wife brought up the financing for the first time on 16.11.2020 and stated that the documents would be coming soon. Since then, it has been postponed almost biweekly. Unfortunately, we do not know what is behind this. The latest update was from 30.12., saying that the documents are supposed to be available (again) within the next two weeks.

Both ex-partners are listed in the land register. In the negotiations back then, it was agreed that she would remain in the house to not take away the children’s home. It was all very complex, and the man just wanted to argue as little as possible and separate amicably – everything is already difficult enough. So, he contractually left her the house, which she must finance in her name after the end of the fixed interest period, and he has so far paid off the loan installments and deducted the installments from the total maintenance payments when transferring money to the ex-wife. In return, he receives/received the multi-family house, which is/were jointly owned. The houses are therefore supposed to be transferred 1/1 solely to the respective other as soon as she has organized financing.

By the way, she no longer receives spousal maintenance.

I do not want to judge anyone here – it is purely about the financing because it really seems difficult to us in this case, but the ex-wife apparently has the green light and is still waiting for documents?!

Please think logically and factually.

Do you think a bank would finance such a construct? I also do not see anywhere the amount to be financed. What amount are we talking about?

2021-01-06 10:58:25

please think logically and factually.

Do you think a bank would finance such a construct? I also don't see anywhere the amount to be financed. What amount are we talking about?

Oh, sorry. It's about approximately €250,000.

I also can't imagine it, it is simply confusing that since 16.11.2020 she has been saying the documents would come soon and that it has been constantly "postponed" ever since – for whatever reason.

2021-01-06 10:59:34

Have you ever had a topic like that? You are the new partner of the ex-husband, right? That rings a bell with me.

2021-01-06 11:01:47

That sum just doesn’t add up at all. If a bank goes along with that under the known conditions, I’ll eat a broom.

2021-01-06 11:02:07

Have you ever had a topic there? You are the new partner of the ex-husband, right? That rings a bell with me.

I once asked this question in another forum and asked for opinions.

2021-01-06 11:54:45

So first of all, both are listed in the land register for both houses. Accordingly, both are also involved. To come across cleanly with the bank now, you should change the land registers accordingly. Then maintenance is usually not taken into account. "Usually" because there are banks that at least acknowledge it.

Otherwise, the income situation looks rather poor. But that can be of no concern to you. Your partner should not hold the house now, only for the children. You should tackle the separation of the land register quite quickly so that your partner is really out of the deal.

Construction financing with child support?

HilfeHilfe

Mazur96

Altai

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Mazur96

Evolith