Land register entry - my property and our house

Hello first of all, I am new here and about to purchase my building land, the first house offers have also been obtained and we plan to start implementation at the beginning of next year.

"Problem": How do I best arrange the registration in the land register?
I will pay for the plot of land from my own capital.
The house construction will, as mentioned, only take place the following year and the loan for it will be carried by my girlfriend and me.

Now I of course don't want my girlfriend to be registered in the land register while I pay for the entire plot. But of course she should then be registered proportionally when the house is built.

Do you have approaches / solutions for me here?

Hello,
you cannot split the land and house in the land register. In for a penny, in for a pound.
The only help is to consult a notary & lawyer during construction and put something in writing. Your girlfriend will surely not do anything foolish like signing a loan contract for the house construction without being entered in the land register.

Alternative A: You buy the property, pay for it, and become the sole owner. As soon as you start building, a share X will be transferred to your girlfriend ==> Notary fees + property transfer tax will apply (however, no property transfer tax for married couples). Alternative B: You buy the property, pay for it, and you both become joint owners. However, a notary must draft an appropriate contract for any eventuality. I can't think of anything else at the moment. Notaries/lawyers may perhaps be able to draft suitable arrangements.

Thank you. Then a notarized contract will probably be the cheaper solution....

Does anyone know approximately how much a lawyer charges for that?

Hello Vega,

the notary fees are based on the respective fee schedule and the conditions that your purchase contract entails (value, value level, developed or undeveloped, encumbered with rights, etc. etc.). The proportional values for property with a house can, as far as I know, be freely chosen, meaning you can, for example, agree on a 60/40 split in the land register.

Exactly how this works and what additional costs may arise for you should be clarified with the notary you trust - you will need a notarial purchase contract anyway.

Best regards
Dirk Grafe