House heavily in debt, 50:50 shares - separation

They already understand that neither has to actually buy out the other. She just wants to get out of the situation. She wants to transfer her half of the house to him and be released from the contract in return. No money will flow in either direction.
And "easily" pay: ~3000 net guaranteed and permanent employment and several years in the company should be enough to pay off a loan of just under 1000€. In our case, only my salary was considered for financing and I earn significantly less (my better half was temporary at the time) with a similar rate.

Sale: he doesn't want to get out of it. He will never live cheaper/better again. For 200-300€ less (and then as rent) per month, there's really only rubbish here. The properties available for rent are so inferior that not even refugees would move in. Surprisingly, they live better anyway in the much newer apartments with [Wohnberechtigungsschein].

As you already wrote, they are also acting a bit stupid. I also believe that he is working against her a bit so that she won't run away after all. Normally, this is not a big deal at the bank. Proper application, proper review, and a clear statement. And if that doesn't work, you either have to sell or see what to do then.

I also believe that he is working against her so that she does not run away after all.

Quite possible, but then we agree that if he is not carrying significant consumer loans, the bank's statement cannot be true and neither of them is "heavily in debt."

Financially, it would also be an absolute winner for him - according to your last post. She waives the reimbursement of the purchase incidental costs just to get out of the loan, meaning that he makes a profit on paper and can continue to live there.

So purely an emotional decision, financially no drama.

Best regards
Dirk Grafe

Not even the refugees would move in there. Surprisingly, they live anyway in the much newer apartments with housing entitlement certificates.

Oh yes, sure. Poor Germany... so many people here who talk so much nonsense... and we were once a country with culture, a country of poets and thinkers. There seems to be little left of that... you only have to look at the numbers of AfD supporters. Creepy that.

Option 1, hard short exit. 25k debt for each and that's that.

If both earn so well, it will be paid off within 2 years.

All options are on the edge of legality or nerve-wracking (rental, constant contact with ex, etc.)

This is a good example of how people overestimate themselves and with very very very very high incomes *cough* fully finance, get another kitchen on credit, a new car and then quickly go on a 14-day overseas vacation and then realize it can't go on anymore.

now there are several methods:

Theoretically, it could also remain as it is, right? The living and relationship situation does not have to be congruent with the ownership. One moves out, the other pays rent to the one who moves out. Both remain owners (with all rights and obligations). A notary and tax advisor can help. Of course, this only works with very reasonable, factual people.

As I said, I suspect that not all info/assumptions are correct

At least a lot of numbers are missing to really be able to assess this. Probably, the parties involved themselves do not have a comprehensive overview.

I think if he really had the money, this would not be a problem at all.

So money does make you happy after all.

I also think that he works against her a bit so that she doesn’t run away after all.

Is it just a matter of his priorities? You can't have it all ...

They should try to determine the value as accurately and fairly as possible (so that both accept the result). Then "he" can buy her share from "her" for half of this value minus half of the remaining debt. Who covers the ancillary costs (notary, land register, bank) is negotiable.

Hi,
any models involving one party taking over shares from the other initially require agreement on the current value of the house. Otherwise, paying out becomes difficult...
We are currently experiencing this in the neighborhood. A couple is separating, she now wants to buy him out (the money is available). But she only wants to give him 50% of what they paid for the house 5 years ago. He wants 50% of the current value. Since he contributed a lot of his own work and house prices around here have easily increased by a third over the last 5 years, their price expectations naturally differ significantly. Both are right and wrong, but especially for her the word "compromise" is foreign.
The expert appraiser battle is now going into the third round while the house value keeps rising and rising... outcome uncertain.

Best regards,
Andreas