Financing - which construction financing is sensible?

Hello, I/ we are facing the same problem: However, it should be said here that my girlfriend can only work part-time. We are not married but the desire already exists. My thought is as follows: Once the house is built, I would like to marry her and she would move in. We split 1/2 (installment + expenses = "rent") If she should have children and can no longer work, I would still credit her monthly rent share. Example: She pays 500 EUR monthly for 3 years (12*3*500) = 18,000 In the 4th year she has a child, (12*1*500) = 6,000 In the 5th year she goes back to work and pays 500 EUR monthly again = 6,000 = 30,000 EUR Now we have the property value (according to bank appraisal) of 105,000 EUR for the land 250,000 EUR for the house = 355,000 EUR Therefore, after 5 years I would register her in the land register by gift, proportionally with 8.5% Since I bring in the land and am the financier, that was my first thought. I do not want to disadvantage her, but also not favor her. Before I make any promises, it would be good to know whether the thought even works. Is that even possible? Also with regard to the land charge etc.

Is your wedding already set for next year? (A little tip from personal experience: a wedding close to building a house means really bad financial stress). Otherwise, consider the following scenario: You start building the house. She puts her small savings into the house. Building a house is stressful – everyone here knows that. Many relationships have already failed over the choice of tiles (figuratively speaking). So now the little house is standing, but the separation has taken place. Now she stands in front of you with an open hand and demands her four-figure amount back. She got nothing out of it. But you are completely broke. Awkward situation for both.

Or the following: She puts everything she can into the house construction, the furnishings, and later into the upkeep. Due to financial constraints, you postpone the wedding. Oh, and then she gets pregnant. Well, the wedding gets postponed again. The child is born, you’re in the house, everyone is happy. And then fate strikes and you look at the beets from below. Now your partner is left standing there. Those who know better about inheritance law can tell you exactly what she gets.

How you ultimately do it is up to you. We just try to make you aware of potential problems. It's not that simple. Consulting on this topic is never a bad idea. Or you make it clear and arrange to hold the civil ceremony a little earlier or have her added to the land register.

And honestly... I can understand that you want to keep the property in the family, but you want to marry this woman and start a family. Isn’t that reason enough to consider her a full partner, also in building the house? With all risks and possibilities. That’s how we did it. We tackled the project together, so we are both jointly liable for everything (land, loan, etc.). The capital my parents contributed will then be accounted for later through a marriage contract.