Financing - which construction financing is sensible?

Always remember: If you want to arrange financing alone, the bank only considers your own income, not that of your partner. And with the desired repayment amount (I assume this refers to the annuities, not the pure repayment), it could already be tight with that income.

And always remember that getting married does not automatically change the rights in the land register. You have to have that changed and pay for it. And inheritance law is not that simple either.

And always remember that getting married does not automatically change the rights in the land register. You have to have that changed and pay for it. And inheritance law is not that simple either

Changing the land register after the wedding is certainly cheaper than before...

We do 1/2 (installment + expenses = "rent")

Thus, after 5 years I would have you entered in the land register by gift, proportionally with 8.5%

The 8.5% results from 30,000 / 355,000, that is your cumulative contribution ("rent") divided by the property value.

IMHO this calculation is wrong. At least if expenses (additional housing costs?) are also supposed to be included in the "rent". If you want to calculate so precisely, I advise separating the housing/living costs on one side and the tangible asset on the other. The fact that the partner agreed to this does not make it right.

Example:
One partner owns the house and land, he pays/finances alone. The other contributes 50% of the local usual gross rent. The ownership is not divided.

We have been married for 10 years, have 2 children, and will start construction on the new building in 3 months. Do you think I care that I will pay off the house alone with €2000 a month?

Emphasis mine. You have relativized this in a later post, but I still want to pick up this aspect again.

The real existing marriages I know (parents, parents-in-law, my own) do not know "mine" or "yours." There is only an "ours." My wife's and my income goes into a joint account. What flows out can no longer be assigned. It is relatively easy for us because we both practically entered the marriage penniless (no land, no house). In this respect, we pay off the house together. It logically belongs to both of us, each half. By the way, our incomes are very different (factor 5).

In case of emergency, it will be difficult, I know.

Changing the land register after the wedding is definitely cheaper than before...

Anyway, as a woman I would NEVEREEEEEE do that. It only leads to stress and creates a feeling of dependency.

If you are allowed to do this and that in my house under my table, you can leave.

Among our acquaintances, the husband always likes to emphasize that it is his house and that the land was sponsored by his family. The wife always looks dumbfounded.

Anyway, as a woman, I would NEVER do that. It only leads to stress and creates a feeling of dependency.

If you are allowed to do this and that under my table in my house, you can leave.

Among our acquaintances, it is always said that the husband likes to emphasize that it is his house and that the land was sponsored by his family. The wife always looks stupid because of that

Then the woman has the wrong partner. Anyone who does something like that is an idiot.