Financing with different equity capital?

Amounts don't really matter, but we can just calculate with 75,000 and 75% and 25,000 and 25%,

Take both T€ 25 equity and split everything 50/50. For such small amounts, I wouldn't split.

Take both T€ 25 equity and split everything 50/50. With such small amounts, I wouldn’t split.

That would also be an idea, but I don’t want to pay off the place forever and I also want to get rid of the 75k.

Well then: 75 K 25 K 300 K / 2=150 K ==> 225K = 56.25 % 175K = 43.75 %

That is not a problem. We have a joint account from which everything is paid. Shopping and household expenses are really the least of the problems. Only with such a big investment do we need to think it through.

Otherwise, we always share everything.

I meant to say that you either plan it together or not. Living together and that 100%, or always with a parachute and calculator. It's just silly.

That would be an idea too, but I don't want to pay off the place forever and I also want to get rid of the 75k.

The term has nothing to do with the loan amount. Besides, there are two of you – not just your decision. And you can invest the additional 50k better than putting it into the house. Should you separate – everything is perfectly arranged. Should you get married, you just add the 50k later into the financing (as a special repayment or at the interest expiration) – also perfectly arranged.

But please always remember, it has to be decided together. You alone do not determine. And a proportional split is always rubbish, even with a contract.

Amounts don't really matter, but we can just calculate with 75,000 and 75% and 25,000 and 25%, makes it simple. The loan amount would then be 300k.

Amounts are not entirely irrelevant, because if you are registered 50/50 in the land register but contribute very different equity amounts, this is considered a gift for tax purposes and tax would be payable above the 20,000€ exemption. This is hardly relevant in the case of 75/25, but definitely for higher amounts.