Loan agreement for only one person: advantages / disadvantages

Before or during the marriage. However, if it is too one-sided, it quickly becomes immoral and therefore void.

For example, I never claimed that I would throw my wife and children out of my house in the event of a separation just because it is my house.

Maybe the wife will just leave the children with you then? At least you can use the house. This house really seems extremely important to you. Why?

Well, what does extremely important mean. The house is not that important to me, my parents' house is definitely more important. But I have invested a lot of time and of course also money into my current house, those are actually the only reasons. Otherwise, I am not particularly attached to it and I haven't developed a strong personal bond with it in the roughly 2 years I have lived there.

Well, what does extremely important mean. The house is not that important to me; my parents' house is definitely more important to me. But I have invested a lot of time and, of course, money in my current house, those are basically the only reasons. Otherwise, I am not particularly attached to it and have not built up a strong personal connection to it in the roughly 2 years I have lived there.

Is it already fully paid off so that you would bring it into the marriage as your own property?

Rough estimate, about €150,000 are still outstanding, I have only been paying since October 2015. So these are all just musings of mine, I am not married and don’t have any children. These are all just considerations.

Rough estimate, about €150,000 are still outstanding, I have only been paying it off since October 2015.

So these are all just fantasies of mine, I am not married and don’t have a child. These are all just considerations.

But that would then be the problem that arises here, even if it drifts off-topic here and there.
Just imagine, someone moves in with you... because it’s simply easier, you continue to pay the installment for the house and even increase the repayment because your girlfriend takes over the household expenses from her salary. Let’s assume, roughly and by the rule of thumb, you both pay about the same percentage for the shared life (rent/repayment, food/drinks/household), also in relation to your incomes, only that you put money into the house, she feeds and cleans for you daily.
Simplified now:
After 10 years you break up. She moves out. You come out of this time well-nourished with about 10 kilos more and you have even been able to pay off your house because you didn’t have to pay a penny for beer and bread.
She leaves empty-handed and without anything she saved on. She invested her money into daily life. But she had rent-free living.
If she hadn’t met you and instead of rent had invested in a small condominium herself, she would also have saved for retirement.
Therefore, it would be an unfair naive calculation.
This example doesn’t even involve children or marriage, it is just a very simple scenario, as is often lived.