Is follow-up financing possible under these conditions?

When I read something like that, I'm glad that I own and finance my cabin alone...

Better 10 years of togetherness and one year of separation stories than 11 years on my own ;)

Because the children could also go to the father, then she actually only keeps the 2000€, that is, her income.

Good point, but in such a case she even ends up with less than her income, because then the woman herself becomes obligated to pay maintenance. The same applies when the children turn 18 and, for example, start studying.

The income of Mr. X does not matter for a debt restructuring/follow-up financing.

Yes and no. When the children come of age, the woman also becomes obligated to pay maintenance. If the children study, the woman will have to provide financial support for years accordingly. Even here, less than the woman's normal income remains.

So far, the man has already been very generous by having guaranteed and paid without being listed in the land register. Such a thing is usually only fair if it was 100% financing and he was secured through the equalization of accrued gains. At the latest, when the man knows how many pension points he has to transfer to the woman, he will need money to compensate for them. Additionally, there is the question of how long the house should be kept. Permanently beyond the children moving out makes no sense. If it can be anticipated whether the children will move out for training at 18 or already at 15, other solutions can surely be found for the few years than if there are still 15 years to bridge. I can understand that as long as the children still live at home, one does not want to give up the previous residence only to move again a second time in a few years when the children have left the house.