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

Hey Yaso,

it is not easy to get such a financing during a separation, as there are many "unknowns".

Of course, there are one or two banks that calculate an amount X as "risk" in such a case.
That means if your income fits, it could work!
If the EX does not want to sign a "separation agreement". It would be good if you also have, for example, a "proof" of how his "income" looks like, because if it is equal, the matter should be somewhat simplified, as "maintenance claims" against the ex are rather unlikely here.

PS. Ideally, it would of course be better if you, for example, have additional security in the family (property), because then you could take the complete costs (purchase, incidental costs) on this new property, so the value at the divorce would be with the amount of the loan or even above!

What came out

What came out

The appointment was today.

There are banks that would do it, but without a separation agreement it doesn’t make sense. No matter how you twist or turn it, in the end the ex always comes into play... very annoying, but can’t be changed.

The advisor recommended that she also ask the seller about a “rental for a fixed term” with a right of first refusal. She will still do that, if he says no, then there will be no purchase.

Many thanks to everyone for the input!

The appointment was today.

There are banks that would do it, but without a separation agreement it makes no sense. No matter how you look at it, in the end the ex always comes into play... very annoying, but it can't be changed.

The advisor recommended that she also ask the seller about "rent for a limited time" with a right of first refusal. She will still do that; if he says no, then there will be no purchase.

Many thanks to everyone for the input!

The statement is contradictory. Either there are banks that do it or not. And no, there is no bank; ALL require the separation agreement. The reasons and why were extensively discussed.

Either there are banks that do it or not.

A large German bank that does it in individual cases has already been named. Main branch in Hagen.

The statement is contradictory. Either there are banks that do it or not. And no, there is no bank, ALL need the separation agreement. Why and for what reason has been extensively discussed

There are banks that do it, but it makes no sense. What is contradictory about that? It makes no sense because in the end, no matter what, she has to prove everything again to him (accrued gains, expert reports, etc.).