Financing - which construction financing is sensible?

Have a calm conversation about everything related to finances, marriage, and the future. Also about things like what her financial situation will look like if she reduces working hours for a child (do you pool everything together and share fairly or is she dependent on your generosity/her savings?). Also, a possible death should be taken into account, especially if children are involved. Inheritance only to your future wife or also to a child? How much tax would be due in the event of inheritance if your wife is not previously listed in the land register but is supposed to inherit everything alone/are the tax exemptions sufficient? Conversely, it is also not entirely uninteresting—how would you manage (financially) alone with a child in case of her death? Aside from all financial matters, it is also a very emotional topic by the way. Do I really want to spend the rest of my life cleaning a house that officially doesn't even belong to me...?

The special thing, in my opinion, is that the property comes from his parents. Often, the (one) family does not want the former family property* to partially go to the spouse who married in case of a divorce. This aspect should therefore be brought up in the clarifying conversation.

* Family in the sense of the old/original family of a partner; not the new, young family created through marriage.

The special thing, in my opinion, is that the property comes from his parents. Often, the (one) family does not want the former family property* to partly fall to the spouse who married in the event of a divorce. This aspect should therefore be brought up in the clarifying conversation.

* Family in the sense of the old/original family of a partner; not the young family newly created by the marriage.

Exactly that. My girlfriend's parents have a farm, and I don't want to have any rights to it either. That's why I only find it fair that what is financed from the marriage onwards is divided 50:50 in case of need. That is justice to me. My parents put their heart and soul into the parental home and the surroundings. That should remain my share.

The truth, whether fair or not, reveals itself in a separation.

But you really should get some advice on how stupid someone can look there. For example, several years are invested by her in your or your house (while your parents' house could use some renovation) and she has to leave because legally she doesn’t own anything. Money lost.
Possibly with your child involved.
Or you are denied the right to reside on your own land because she has to take care of your two children.
It’s not as simple as you make it out to be.
I’m going to unsubscribe from this thread now, there is only one who knows here.

Aside from all the financial matters, it is also a very emotional topic. Do I really feel like cleaning a house for the rest of my life that officially doesn't belong to me...?

NO!

Interesting matter. We have had this here quite often. Exchange ideas with those who had exactly the same challenge here.

From my point of view, it is relatively simple: if you want to keep your wife out of the land register and the financing, she should then fairly only pay half of the additional costs as "rent." But she should also not contribute any equity to enable you to get the place. If it's fair, then it's fair and not just in your favor.

But you probably won't want that :-p

You can take it as far as having separate compartments in the fridge, like my parents-in-law.