Loan agreement for only one person: advantages / disadvantages

How you arrange that among yourselves, as already mentioned, will not concern the bank. It concerns your internal relationship and for that a lawyer is advisable. I don't know how it is in Bavaria, notary = lawyer? Here in BW there were separate regulations which have been different since this year. Possibly the notary can also do that for you.

Yes, many rumors circulate about Schufa. Don’t get me wrong... it always depends on each individual bank how something is evaluated. My experience is... 3 credit cards, 4 installment purchases, mortgage loan and installment loan... are not rated very positively. 1 credit card, mortgage loan and maybe 1 completed installment purchase are sometimes rated very positively because it looks clean and seems to meet its obligations.

But, as I said, there is no uniform rule.

Thank you very much for the help!!! We will then inquire again who can do that for us

Thank you very much for the help!!! We will then inquire again who can do that for us

Best to get married before buying, that is the best internal relationship …

Best to get married before buying, that is the best internal relationship…

Yes - that is an argument, but it is rather unlikely to happen until now.

Marriage is usually also the cheapest option financially, as everything is automatically taken care of. The money for the lawyer/notary is usually enough for a nice celebration, and there is also a bit more left on the payslip. In addition, many banks see this as an advantage, which might result in a slightly better loan interest rate. I would really consider it, even if it seems quite unromantic.

Uhh what do you mean?

So if you love each other and both want it then get married. Financially interesting?? Please do the math for me... If there aren’t significant salary differences then the advantage is limited. And the question was how this can be arranged in case of separation... I wouldn’t know where the financial benefit would be in getting married. What is clear in the internal relationship? Who is allowed to stay? From experience, a marriage actually makes a separation more expensive. So that’s not an argument. Unless you make a prenuptial agreement but then we’re back to the costs...

Don’t get me wrong. I am married and happy and without a prenuptial agreement... but the financial benefit seems rather questionable to me in this case