Land register entry - as a couple or as a GbR for tax avoidance

who is going to pay the loan, or is that planned? otherwise marry and the matter is settled. it’s done very quickly at the registry office

yes then both act as borrowers and buyers. No one received anything as a gift. That the bank says it is a gift I cannot understand. There is a layman at the counter. I even believe 20,000 € is a tax-free amount. If your equity is below that, I would not make a fuss here or weave any GBR constructs that cost money. You are a civil servant, probably a teacher ;) don’t always see everything as so complex

Both in the land register, both borrowers

Yes.

Security through notarized partnership agreement in combination with a will.

What is supposed to be secured? In case of separation, do you have a purchase option for her share? At a fixed price?

So, you are not the first to acquire property without a marriage certificate and with unequal equity.
[Partnerschaftsvertrag] is new to me and inheritance: whoever wants to inherit 50% of the property will also inherit the debts from the person.
I would run through the scenarios - often things are simpler than you think (but sometimes also much more complicated ;) )


Brief greetings