Make everyone happy - Purchase contract

Relationships often develop into asymmetrical symbioses that work well and are beyond financial considerations. Who wants to judge that from the outside anyway. Sometimes it looks unfair, but it is not perceived that way in the slightest. In just over 30 years, we have never really done the math. It works for us, but that by no means makes it recommendable for others.

My grandparents would also like to contribute financially in the coming years,

Very nice situation. But just leave the gifted money in your account, then your girlfriend won't get any of it if you break up.

The first point is out, as she still wants to pursue a career in the coming years.

That doesn't sound good to me either. Is your girlfriend still in university, training, or something similar? Is a career possible at your place of residence? How old is she, if I may ask directly?

ui becomes complex during a separation

I couldn't finance the house on my own because the banks were obstructive here. I studied for the last three years and only worked part-time, before that full-time. I have now been employed full-time on a permanent basis for only a few months. Whether that is why I didn't get the financing alone, I don't know.

My girlfriend is currently still earning very well, just like in recent years. However, she wanted to pursue further education. The topic has been around much longer than the house purchase. She would have even preferred if I had taken the financing alone and she paid a certain amount as rent monthly. But that was not possible. She will start a dual study program in the summer and will only earn about €1100 net over the next three years. Afterwards, a master's degree is planned. I still fully support this.

Isn't there a possibility to secure the equity? So that in case of a sale, the equity is repaid first and only the remaining amount is divided in the mentioned ratio?

We are both 28 years old, have known each other for over 12 years, and have been a couple for almost 8 years. There is nothing against getting married, but I would like to wait a bit longer. Although, of course, it would bring many advantages. I am also sure that it is a relationship for eternity. But as always, better safe than sorry, since this involves a lot of money and you never know what the future holds.

She will finish her Master's degree in 5 years, then she will be 33 years old. Works for 2 years and then children will come, if you want any.
So you can expect for the next 10 years with interruptions never to have more than the 1100€ net + your salary.

Let me be curious. What does your girlfriend earn currently very well and what do you earn?

With a 400k€ loan, I can only say..."You are really brave."

But as you write, the financing and the notarized contract are about to happen. So all the best.
May it be as you say!

She will finish her Master's degree in 5 years, then she will be 33 years old. She will work for 2 years and then have children, if you want any. So you will foreseeably not have more than €1100 net + your salary with interruptions for the next 10 years. Let me be curious. What does your girlfriend currently earn very well and what do you earn? With a €400k loan, I can only say... "You are really brave." But as you write, the financing and the notary contract are imminent. So all the best. May it be as you say!

I currently earn €2600 net, she earns €2200 net. So together we have €4800. Both, of course, tax class 1. However, she is unskilled. I have a company car, but that is already deducted. We have no debts, no unnecessary contracts. But we have lived quite well in recent years, traveled a lot. I am aware that the belt will have to be tightened in the coming years. But despite all that: even €3700 are not little money here in NRW (not Düsseldorf or Cologne) for two people. After deducting the monthly installment, ancillary costs, all currently existing fixed costs such as mobile phone contract or DSL, living expenses, etc., we would still have over €1700 left. And even if children come, we are not really doing badly financially. Even if she were only working part-time, I think...