Fair removal with long-term security

  • Erstellt am 2017-01-17 09:34:49

Evolith

2017-01-17 12:07:28
  • #1
In our case, I am basically paying off the house alone. My husband can hardly contribute at the moment. Nevertheless, after completion, we will arrange it so that the house is split 50/50, but I am allowed to keep the house alone, meaning he has to move out and I have to pay him off. Why 50/50? Because we both undertook the house-building project together and he contributes what he can. So he is just as committed as I am. Once we are in the house, his share will be a bit higher, and when his two children from the first marriage are no longer entitled to support, it will be even significantly more. We are both listed in the land register and together as borrowers.
 

Maria16

2017-01-17 12:13:02
  • #2
Because I am currently reading "cold rent for a comparable property": I immediately discarded this premise. My assumption was: what would we / I be willing to pay at most in rent (regardless of whether that means 80 sqm less living space without a garden or not). If we were to rent, we would never spend that much money.

Of course, I get more living space and hopefully also quality; but I did not actively demand this to that extent and therefore see this part as my boyfriend's "risk".
 

HilfeHilfe

2017-01-17 12:18:50
  • #3
Difficult and unpleasant topic. It's already great that the loan is only in your name. That way, you won't have any trouble with the bank in the end.

I would also see it the way the previous speakers did. What would your partner pay in cold rent if he were living alone in a rental apartment? If it were, for example, €400 cold and the installment was €1000, his share would be €100 per month that he would need to receive.

Additionally, his labor during renovation would have to be evaluated. For example, hourly rate €25, 1000 hours renovated = €25,000 payout as it increases the value.

But you can also do it so that the current assets are recorded today and in the event of separation (regardless of whether with or without) the assets are reassessed in 15 years and then half is owed to him.

All possible
 

Bieber0815

2017-01-17 13:25:44
  • #4
That is what I expected; possibly you can determine a rent based on listings that would be due for a property you would live in together if the house did not exist. In other words: I would quantify the residential value that you leave to your partner with your house and derive his cost contribution from that. This contribution is then his consideration for the residential value. Beyond that, he has no claims (in case of separation).

I must confess, I do not understand your case.

Good alternative suggestion! I assume half of the accrued gains is meant. So in the end, for him, his contributed assets plus half of the accrued gains (and the corresponding for her). Note: This structure is easiest to achieve with a marriage.
 

Maria16

2017-01-17 13:39:26
  • #5
Bieber0815: The property existed before me; if it didn't, we would almost certainly continue renting, and at a lower price than we currently budget monthly for the loan and incidental costs.

Edit: it is also enough if my boyfriend and I are satisfied with our agreements in the end and can live well with them; the other conditions are indeed unusual, but nothing I would want to discuss further in public. ;-)
 

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