Ground charge ordering - notary contract, ground charge...

Accrued gains also include my salary, theoretically she is entitled to 50%. Now back to my question, how do you generally view the project? What I have gathered so far is that the loan can be registered later but it is risky.

And it is currently simply not unfair. She has no contractual ties and no ownership of the house. I also wouldn't do the loan agreement without a land register entry. It doesn't happen anyway. But be that as it may, [PRIVATANGELEGENHEIT].

On the topic: as already advised, I would arrange an appointment directly with the house bank. There, after examination, there will be a general direction. If you are a bit willing to take risks, you can then calmly look for financing. Compare and negotiate. Especially if you are secured by your parents.

Hi,

this is actually about signing the purchase contract immediately, and registering the mortgage later, once the financing is secured?

so, you are planning total costs of about 550-600 TEUR (All IN)
equity around 200 TEUR
financing around 400 TEUR.

so
1) You can do this independently, meaning sign the purchase contract first and register the mortgages for the bank later.
2) since you are building with a developer, they probably have a payment schedule according to the developer regulation, i.e. probably the first payment will be due immediately after signing (about 4-6 weeks later), since it also includes the land, this is likely unavoidable.
BUT if you can pay it from equity, that would still be ok (but you must also keep money on hand for property transfer tax, notary, etc.!)

so this question would be settled.

back to the financing of 400,000 EUR, with 3200 or after marriage 3700 EUR?
that is of course doable, but quite tight! Depending on the bank they calculate living expenses allowances of 850-1500 EUR here.
Then there are operating costs (taxes, heating costs, electricity, garbage collection, etc.)
then you should consider reserves (in case renovations are necessary)
saving for the next car etc.
then there is not much left for the installment, with a loan amount of 400,000 EUR.

BUT here the assumption is that the better half will also earn money in the near future, so it would increase to at least 5000 EUR, which would be manageable again.

BUT, here it is assumed that in the near future the better half will also earn money, so it would then increase to at least 5000 EUR, which would put it back in manageable regions.

Hmm yeah. If she is currently taking her first state exam, she will first go into the legal clerkship afterwards, which is another 1.5 years, during which she only earns about 1,000/1,200 €. Sure, it is probably doable, financing seems to be secured, but "in the near future" would mean 3-5 months to me. It is also not certain that the first and second state exams will be passed. Tricky. On the other hand, she is not on the loan agreement.

Yes, the risk always exists, but she will do something anyway. Even 1200€ would then be nearly 5000 altogether. A salary increase is also scheduled for March, about 230€ gross. I would also wait, but the rents here are between 900-1100€ cold for 80-100 sqm, at the moment we pay no rent but live in 40-45 sqm. By chance, we found the plot of land, and normally there is nothing around here. Apartments to buy here also start at 500,000.

Hmm. If she is currently doing her 1st State Exam, she will first go into the Referendariat afterwards, which takes another 1.5 years, during which she earns only about 1,000/1,200 €. Sure, that's probably manageable, financing seems to be in place, but "in the near future" to me would mean in 3-5 months. It's not even certain that the 1st and 2nd State Exams will be passed. Tricky. On the other hand, she is not on the loan contract.

Well, with a house financing you assume 30 years until it is paid off; if 1-2 years are a bit tight, that's not so bad if you know that 90% of the term can be bridged well.

I would find it "bad" if both were already working full-time and the joint net income would be 3,700 EUR!