House purchase - split the price 50/50

If there are no further agreements or prenuptial contracts, then the community of accrued gains already takes into account inheritances and assets of one or the other before the marriage.

Of course, one can also regulate this differently and more explicitly, which some have apparently done according to the answers. In the answers, I somehow don't see that taken into account, although that would probably be the typical case.

if someone likes to shop extravagantly for the cooking pot, then he pays...

One can do that. But what difference does it make "in the end" for one or the other without, for example, an agreed separation of property?

A joint account for joint purchases -> house, loan etc. should exist.

No, precisely that one should generally separate better in terms of accounts if one party contributes a larger share. Keyword: gift tax.

I find it okay if, in a marriage, you agree to split all costs 50/50. Every couple is different. However, what you should be careful about is not giving money away to the bank for no reason! It is also possible to conclude valid contracts within a marriage or family. In my opinion, it would be stupid to pay interest to the bank rather than to the wife.

I think it's okay if you agree in marriage to split all costs 50/50. Every couple is different.

Of course that's okay. Just in case, ggf. and u.U. may not be relevant - which can also be okay - but does not correspond to the philosophy of financial separation.

We have mostly only agreed to share. We don’t keep any records and of course one contributes more or less at times. I also prefer to give more rather than take. It’s really just these truly joint purchases, like furniture, TV, taking turns with the weekly shopping.

Now, regarding the house again: the price negotiations are upcoming, how should one best proceed there? The seller’s idea was to write down our and her price expectations and hand them over simultaneously. But I fear that we would then state a higher amount than she actually wants and thus pay unnecessarily more.

I would prefer that she, as the seller, states first and we then take that as a basis. Actually usual, right? We have said among ourselves that we would offer €100,000 and go up to about €120,000 - €130,000. But I think that should somehow work out. She wants to sell to us and we want to buy. There is no competition. My father even has a right of first refusal.

A joint account for joint purchases -> house, credit etc. should exist.

No, precisely that is generally better kept separate in terms of accounts if one party contributes a larger share. Keyword: gift tax.

Huh? One thing has... little to do with the other. There is no gift tax when you have to pay water, electricity, and gas.

With large amounts, it can be interpreted that way depending on the constellation. Therefore, one should be careful with larger money movements.