House purchase: Financing (with/without equity)

: for us it would be similar to your first attempt. I invested all the equity myself, and I also earn more now. in the first 5-10 years I would take over the house and "release" them from the overall package (which would also be a big concession, otherwise ruin threatens) and take over the house alone. a payout can hardly take place, since after 10 years the loss is higher due to high interest and aging of the house. and if there actually are 10,000€ left, that is the "compensation for expenses" for relieving the other from the burden (which also costs money at the notary, half property tax, etc.).