Financing after separation, what happens next?

Hello everyone.
If this topic already exists, please feel free to send a link as a reply.

The following:
I bought a property with my now ex-girlfriend and we arranged the financing for the house construction equally between us.
So we each have a half share in the property and the house.
Since she has now separated, the following question arises for me:

Does she still have to pay for the loan since we both signed, are listed in the land register, etc.?
I ask because an agreement is currently difficult since neither she nor I can afford the house alone but at the same time it is too nice to sell.
Thanks for your answers.

Does she still have to pay for the loan since we both signed, are listed in the land register, etc.?

Of course she has to pay for the loan. Every borrower is fully liable for the entire debt. Just as either of you can be held responsible for the public charges. You are also joint owners – in for a penny, in for a pound.

since neither she nor I can handle the house alone but at the same time it is too nice to sell.

If at all, you better sell yesterday than today. You can still get a good price. You have no alternatives to a sale if the individual creditworthiness is not sufficient.

Since both of you signed the financing agreement, both of you are also responsible for the financing. However, the bank does not care who contributes how much. The main thing is that the payment is made. The situation was similar with my then husband. Since I had more equity in the house, he moved out and I took over the payments for the house alone. I took a side job, then started a small business to supplement my income. Sometimes I sublet. Then better financial times came again (cheaper refinancing, new partner). If you trust yourself to bear this burden alone, then it can be done with creative means. For example, a shared apartment works if you are (flexibly young) willing. There are so many phases in life that are doable if you want to. Otherwise: sell. It’s also a new beginning.

Do I still have to pay for the loan since we both signed, are listed in the land register, etc.?

Yes and no. In the extreme case, the ex is unemployed and the loan will then be paid entirely by you (or vice versa). Still, every euro either of you puts in belongs to both of you half and half. She is just listed in the land register.

But regardless:

I am asking because currently an agreement is difficult, as neither she nor I can sustain the house alone, but at the same time it is too nice to sell.

That makes the matter very, very clear. Sell as soon as possible.

Mentally close the chapter on the house, the land, and any potential financial loss as quickly as possible. Because it will have to be sold one way or another. In the very last consequence even through partition auction if one of you blocks.

She also has to pay, as everyone wrote above, sell quickly. Even if the house is "nice"

Thank you for the many responses :) What I forgot to add yesterday is that the house is not ready yet. It will be completed around June 2023. Building with Fingerhaus, which means there will still be a joint selection process, etc. Both of us are also on the contract with Fingerhaus.