House purchase - split the price 50/50

But then a private loan agreement with a market-standard interest rate. Otherwise, the tax office will quickly classify it as a gift.

I would suggest you take a loan from your wife at a super interest rate. You pay it off regularly and you both are listed in the land register. But I'm not an expert.

Then she has basically paid everything first, that would be the scenario I also completely understand: that she stands alone in the land register and wants to stand there... regardless of whether I pay her back or not. Later re-registration in the land register, when I have paid it back, would then also cost additional money.

But I don't think any bank would go for that.... they always want both parties involved in the loan because then there's less default risk... you might get lucky though since 75,000 isn't that much, but I would ask about it first.

And the thing with the market interest rate is also really stupid.... how high is market rate supposed to be, anyway?

If I live in the house with my sweetheart for 20 years and he lent me 200K, am I allowed to suddenly pay him 50,000 in one go if we separate?

Then she has basically paid everything herself first, that would then be the scenario that I completely understand, that she is the sole name on the land register and also wants to be..

Legally, it should not matter from whom you borrow the money. I also once had a loan from my father. That counts just the same in court as one from the bank.

Snowy, you are wrong there, with "us" only one person signed the loan

First, you should ask the neighbor if she really wants to sell. Maybe she herself doesn't even know about her moving plans yet.

hm I also had my half from equity and the other half is "his" loan, which we both signed. Since I wouldn’t be able to afford the house alone in case of a separation anyway, it’s okay like this.