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

2019-09-07 14:22:38

The bank has no idea who is entitled to what. Neither in the case of equalization of accrued gains nor maintenance. Only what is written or agreed in black and white counts. How should the bank know that, regardless of the house, maybe several hundred thousand euros still have to be compensated to the man? It's like with income. You can't say "I earn 20,000 net" without being able to present pay slips or tax assessments. Loans are rarely granted based on your word alone.

What advantage does the bank have then if there should be an agreement for the future? It also doesn't say there who owes what to whom.

2019-09-07 14:25:23

I have another idea:

How about a lease purchase for x years until the divorce is finalized?
Would the seller be willing to do that?

We already had that idea too, but she didn't ask because the seller also has to pay out a part to his brother. I think he wants to see money immediately.

2019-09-07 14:28:14

Would your husband be willing to agree to separation of property from now on? It might also be beneficial for him.

It would definitely be beneficial for my friend's husband, but as it often is, he thinks she wants to take advantage of him, even though she offered that he can agree on everything with his lawyer and that they can also get advice together from a notary, etc.

His statement: I won’t sign anything at all.

2019-09-07 14:33:27

Correct! A bank wants solvent borrowers and no uncertainties on the books

And as a person going through a separation, you are 100% uncertain. That's how it is.

His statement: I won't sign anything at all.

Honestly: probably everyone would say that.

2019-09-07 14:46:45

what advantage does the bank have then, if there should be an agreement for the future?

It also doesn’t say who owes what to whom there.

But that is exactly what must be the content of a separation agreement. What else do you think should be in there? It’s like with salary or an employment contract. It states exactly what you get – and that’s what the bank relies on. You also don’t make an agreement with your employer for the future about how great you like each other, but that you work (x hours) and are paid for it (y €).

2019-09-07 15:00:40

But that must be the content of a separation agreement. What else do you think should be in there?
It’s like salary or an employment contract. It states exactly what you get – and the bank relies on that. You also don’t conclude an agreement with your employer for the future about how great you like each other, but that you work (x hours) and are paid (y €) for it.

I thought it simply states that from day X onwards, all gains and income are acquired on the basis of separation of property.

I’ve never seen or done anything like that before, so I don’t know what needs to be in there.

Well, then your only option is to find a bank that does it without an agreement. And in the case of an increase in value or gain or whatever, it would have to pay him out.

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

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