Financing after separation, what happens next?

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

Then you should be clear during the selection process whether you want to sell or not. Then I would choose the options in a way that it can be sold best.

Your former girlfriend must still contribute for the time being, unless her financial situation changes, for example if she becomes unemployed, gets a disability pension, etc.

I do not (yet?) agree with the opinion/assessment of my predecessors to sell soon. I would like to know more about the emotional attachment to the house, the size of the house, further plans, the location of the house, your budgets, whether your former girlfriend is a civil servant, and family proximity. I also find it important to know how high your former girlfriend’s current rent is and how much rent you would have to pay if you rented a suitable apartment in an area acceptable to you.

Please do not give up so quickly, even if that was not your question. ;-)

Edit: Please no! response to the following comment: Are you sure you won’t get back together in a few months; “one” has actually seen stranger things than people getting back together after a break. ;-) (Except maybe if one of you changes their s......e orientation.)

It all depends on how well you can still talk to each other reasonably and how long you can and want to form an economic or financial unit. It doesn't help if she theoretically has to pay half but in the extreme case practically does not. Then you have to take civil legal action against it. But enough of the horror scenarios, it can also be handled reasonably.

I ask because an agreement is currently difficult,

What do you mean by "currently" and how long will "currently" last? How well can you talk to each other reasonably at the moment and in the coming weeks and months? What is your wish for what should happen? What is her wish for what should happen?

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

That's still quite a while away and I assume no excavator has rolled yet? I would consider whether it might be easier to cancel the contracts. More than a year is a long time and currently the future is hard to predict. Under certain circumstances, you may not be able to sell the new building at its construction costs. Find out how much compensation would be due if you cancel now.

That is still quite a long time away and I assume that no excavator has moved yet? I would consider whether it might be easier to cancel the contracts. Over a year is a long time and at the moment the future is hard to predict. Under certain circumstances, you might not be able to sell the new building at its construction costs. Find out how much compensation would be due if you cancel now.

Prepayment penalty should be quite minimal with rising interest rates. Although, since you also forgot to mention that the house is not even built yet: Have you both already signed the financing?

The house builder will probably still owe something. But probably cheaper than stressing for a year and then selling at a loss.