Is it possible to buy/finance a house during the separation year?

She does, very much so! She is close to me like a sister.

But then one should not only look at the financing, fortunately I have no knowledge of that. But what good does it do her if she finds a bank that finances it without this agreement. Then comes the divorce and in the course of the equalization of accrued gains she may have to pay him a sum, possibly precisely because of the house purchase (an appraisal will show that the house is worth more), which could shake everything or even cause a collapse. And then?

As I said, I am not familiar with this, but besides the question whether she finds a bank that finances it, she should possibly also get advice on what might await her in the equalization of accrued gains or generally consider this herself!

I think that is a very good point. The purchase price is one thing, the appraiser's value is another question. She should definitely have that determined to protect herself. Since it was said that she expects a (higher?) payout from her (ex)-husband - is there already a joint property that he wants to keep? That would then be the buffer in case she has to pay something for her own house...

But then you shouldn’t just look at the financing; fortunately, I have no idea about that. But what good does it do her if she finds a bank that finances it without this agreement? Then comes the divorce, and in the course of the equalization of gains, she may have to pay him a sum—possibly only because of the house purchase (an appraisal will show that the house is worth more)—which shakes everything or even causes it to collapse. And then?

As I said, I’m not familiar with this, but besides the question of whether she finds a bank to finance it, she should perhaps also get proper advice about what might come her way with the equalization of gains or at least consider it herself in general!

I think that’s a very good hint. The purchase price is one thing, the appraiser’s value another question. She should definitely have that determined to protect herself here.
Since it was said that she expects a (higher?) payout from her (ex) husband— is there already a joint property that he wants to keep? That would then be a kind of buffer in case she would have to pay something out for her own house...

She just wants to know first whether she can get financing at all in the current situation. She will take care of everything else afterwards. If things then come up, to exaggerate, that the house is now worth 500k and she has to pay her husband 250k, she can still cancel the purchase. She will do so even if it’s “only” about 20k. But without a financing commitment, she doesn’t need to set everything else in motion.

Dear ones, I find every contribution here valuable. However, I asked a question and did not know that I have to provide an explanation for every side issue.

She will be legally and also tax advised. At the moment, it’s only about whether she can/will get financing at all. I asked the question here in this forum because I really often get very good ideas and competent answers here.

I want to make it clear again: She very, very much wants to purchase the property. I am asking here for ideas. I express myself as skeptically towards her as you do. Nevertheless, I want to support her in considering every possibility. If in the end it turns out that it doesn’t work, then it doesn’t work!

She is a very intelligent woman; she knows very well what she’s doing, and she will not throw herself into ruin for a house. I wouldn’t allow that either.

Please do me the favor and don’t ask anymore about things that no longer have anything to do with the original question. In my opinion, I have already justified far too much anyway.

I guess there is only one thing to say: that it will probably not work with the vast majority of banks. Financing is not completely ruled out, but unlikely. Simply because the bank cannot assess without the agreement what claims might possibly be made against your girlfriend. Therefore, this agreement would be very helpful.

Whether the initially promised salary is an absolute deal-breaker on top of that, I cannot judge. It could also be that she would manage with her current salary.

Send your girlfriend here, then she can ask questions directly and answer questions.

Send your girlfriend here, then she can ask directly and answer questions.

I already asked her before I wrote here. She had concerns and didn’t want to.

But even if she had registered, nothing would have changed about the question nor about the fact that everything else is initially secondary.