Loan agreement for only one person: advantages / disadvantages

Thank you very much for the great interest in my concern—I did not expect that it would now trigger such a nice discussion.

We see it the same way—meaning that the actual advantage of a wedding is not really given if you can arrange the whole thing differently. Therefore, we want to secure ourselves as best as possible independently of a wedding, both in the case of a separation and in the event of death. And we will only get married if we feel that we want to or see it as necessary at all (after 10 years), and we do not see that due to the apartment purchase. Apart from that, it would also bring no financial advantage for us, both earning almost the same salary. There are no children either.

Negative Schufa only occurs in case of non-payment.

At Volksbank, only after one or more payment reminders.

Pre-emptive right in land registry law?

Does it not exist?

Thank you very much for the great interest in my concern - I didn't think it would spark such a nice discussion now.

We see it the same way - that the actual advantage of a wedding is not really given if you can arrange things otherwise. Therefore, we want to secure ourselves as best as possible independently of a wedding, both in the case of a separation or in the event of death. And we will only marry if we think we want to or see it as necessary at all (after 10 years), and we do not see that because of the house purchase. Apart from that, it would not bring us any financial advantage either, both having almost the same salary. There are no children either.

Well then, have fun with the expensive lawyer. Let me know what you have agreed upon.

Pre-emptive right under land registry law?

Doesn't that exist?

Yes, it does. It was like that for us. When I wanted to sell, my ex-husband had to notarize the waiver of his pre-emptive right. Mind you, after 7 years [emoji6]

Does anyone of you even get a loan solo with their salary? That is actually rarely the case.

Now I have to ask briefly here. Suppose Person X builds and finances a house alone. After, for example, 5 years, Person X marries Person Y. 10 years later, divorce. Does Person Y have any claim to the house?