How does the bank calculate the feasibility of construction financing?

The real estate transfer tax is, in my opinion, calculated based on the consideration. That would be, on the one hand, the assumed loan plus a payment (part of it has already been repaid, maybe the house is also worth more). An estimated value would only come into play if it were transferred without consideration. However, in the case of loan assumption, there is consideration.

In a preliminary discussion for our construction loan, I was also interested in how the banks calculate. Our banker said that they calculate at least 700 euros per month for a single person and 1200 euros living expenses for a couple. A "clear conscience" usually starts at 1000 euros/1500 euros. If you are in this range, they also want a detailed list of your expenses.

Whether your bank lets your girlfriend out of the contract certainly depends on your income and credit situation. Judging by your question, I assume this will definitely be a difficult undertaking. Before I would go to a notary here, I would first check with the bank what options are available. If they refuse, you don't need to worry about the property transfer tax.

I have to wonder...

That means if I take over your loans

Does that mean that each of you has loans related to the house? I can hardly imagine that: it's more likely that you are both registered as borrowers for all the loans together???

If necessary, I first have to take over all loan payments without a transfer.

That's how my ex-husband and I did it: the bank never received any information from us about a separation. They usually don’t care, as long as the installments are paid. If you lose a salary due to termination, you also don’t have to inform the bank. (At least nobody does ;) )

She is removed from the land register, you pay all liabilities. A document is drawn up at the notary. Period. That’s how you do it simply...

How long do the loans still run??