House construction financing possible in the coming years - experiences?

To be honest, I can never understand why such regulations are made. For example, we also have several friends who have separate accounts despite being married and having children. I mean, everyone has to do as they like, but I find it strange.

The first thing we did after the wedding was to open a joint account. When we built our house, my wife was already on parental leave. I contributed €80,000 of equity, she €30,000. I have been contributing about 80% of our household income for around 10 years, she 20%. Nevertheless, we are listed 50:50 on the land register.

I honestly can never understand why such regulations are made. For example, we also have several friends who have separate accounts despite being married and having children. I mean, everyone can do as they like, but I find it strange.

The first thing we did after the wedding was to open a joint account. When we built our house, my wife was already on parental leave. I contributed €80,000 in equity, she €30,000. I have been contributing about 80% of our household income for about 10 years, she 20%. Nevertheless, we are listed 50:50 on the land register.

I also find it annoying that we don’t do 50:50. But he says he wants to protect himself in case of separation, because unlike me he doesn’t have a family who could support him financially. More the other way around, he rather helps his parents financially to get by. I can understand that, but actually you should think as a family. And the fact that the other properties are an inheritance from my family is not set in stone either.

There are already a few reasons. Last year, the tax office froze my wife's account and we were very glad about the separate accounts (and without going into details, yes, it was her fault.)

He says, however, that he wants to secure himself in case of separation,

As already said: that can be arranged through a private contract.

because unlike me he has no family who could support him financially. Rather the other way around, he helps his parents to get by financially.

But now these are two different things. You cannot put your head on the line for other relatives.

actually one should think as family.

You said it: you as a couple will become a new family. Your partner only looks back to his family, where he was a child. It is time that he stands up to you as an adult. But who am I kidding?!

(...)
The first thing we did after the wedding was to set up a joint account.
When we built the house, my wife was already on parental leave.
(...)

Do you invest all your money in one stock?

My bank offers good conditions on the credit card, which provides my wife with good conditions for the children's accounts...

And quite simply. In some months, thousands of euros in expenses and travel costs go through my account. You quickly lose track when two people access it and one doesn’t know what is deducted as travel expenses and what remains.

Do you invest all your money in one stock?

My bank offers good conditions on the credit card, which provides my wife good conditions for the children’s accounts...

And quite simply. In some months, thousands of euros in fees and travel expenses go through my accounts. You quickly lose track when 2 people access it and one doesn’t know what travel expenses are reimbursed and what stays.

No, I actually have lots of different stocks.
And I also have my credit card running elsewhere.

And in your special case, it might make sense for you to have a separate account for something like that.

But that was not what I was talking about at all.
I was more referring to the statement that despite living together as a family, there are still separate accounts for salaries and expenses.
Personally, I find that a bit strange (and for someone else, it might be quite normal).
For us, the income as a family goes into a joint account and everyone is free to use the money as they like.
No matter if one brings in more than the other or not.
And it’s the same with all expenses, which of course also includes the mortgage payment for the house.
I just wouldn’t even think of saying "I bring in more money, so I also own more of the house."