House construction for an unmarried couple

@ypg: Yes, and if both are listed, both must also operate. Or do you think that in the case of separation, the person with the lower income will still only pay a lower share of the repayment?

No, where do you read that????

@ypg: Yes, and if both are listed, both must also make payments. Or do you think that in case of separation, the person with the lower income will continue to pay only a small portion of the repayment?

If one stops paying, the other debtor will be held responsible. The bank does not care who pays (whether one or both), as long as the installments are paid.

@ypg&jaydee: Yes, and both, who are mentioned in the financing, pay their part dutifully, right? Don’t you think there will be problems then? That’s what I wanted to say. It’s clear the bank doesn’t care who pays.

@ypg&jaydee: Yes, and both who are listed in the financing dutifully pay their share, right? Don’t you think that will cause problems? That’s what I wanted to say. It’s clear the bank doesn’t care who pays.

@perlemann: I honestly don’t understand your problem now!

*mpf* OK, an example:
My husband stopped making payments on the loan after his separation from his ex because he no longer lived in the house. That was agreed upon with the ex. However, he was still listed on the loan. If his ex had also stopped making payments now, the bank would have gone after my husband again.

The bank didn’t care when only my husband’s ex paid, and the bank would have also not cared if my husband had paid instead of the ex. It didn’t matter whether the loan was taken out 50:50 or 20:80 or 30:70 or whatever.

The bank does not insist that a partner pays 50% if that is how it is set up.

... moreover, nowadays the payments by direct debit are withdrawn by the loan bank. It does not matter where the money comes from. If the account is no longer covered, it quickly goes into enforcement. The persons who are registered as borrowers bear the liability. How the division of this among the installments is, is a purely private matter and agreement.