My property, building together

A general assistance cannot be provided here, advice from others or testimonials may be nice to read but do not offer any individual added value.

An appointment with a lawyer/notary is necessary or indispensable here!

The bank would not have granted us a loan in which my husband (then partner) appeared as a borrower if he had not been listed in the land register.

Then the choice of bank was the wrong bank.

There can be no general assistance here, advice from others or reports of experience can be nice to read, but do not provide any individual added value.

An appointment with a lawyer/notary is necessary or even unavoidable here!

and how does the bank react in case of a separation regarding debtor release?

Is the bank interested in the document from the notary?

Thank you very much for all the feedback.
So building alone is absolutely not an option, financially it just doesn't work at all with those amounts.
Getting married before that is also not an option, since I definitely don't want to rush something like that.
The bank would definitely have no problem at all if only I am initially listed in the land register and we sign the loan together.
Hmm, so maybe first put something in writing or have it drawn up by a notary, so that no one gets screwed over as long as we haven't gotten married and both are not listed in certain parts in the land register.

and how does the bank react in case of a separation regarding debtor release?

Is the bank interested in the notary's document?

1) a debtor release is always examined and is not guaranteed

2) if parts of the loan (here house) must also be taken out by the potential co-owner, then he should also have access to the house or its assets. Here, if the ownership shares or proportions are not known or are to be clarified afterwards based on the repayment status, a subordinate owner’s land charge can be registered in section 3, so that access always remains. This ensures that in the event of a separation, the owner cannot simply sell the house without clarifying the financial situation.

3) without real estate security, the problem is access to the property or acquired co-ownership shares, even though the loan may have been paid off over years, and without loan participation the problem may be that one party does not get the loan alone from the start, which can later be the main problem for debtor release.

3) the question here was rather not about the loan borrowers, but about the division of ownership shares, especially since with equal shares and 2 borrowers this problem always arises in case of separation. Tactically, nothing can be fixed in advance here.

4) the use of the property is compensated through the proportional share in the interest costs, while amortization and any value appreciation create assets in which one should already be secured in the land register.

As already described, nothing works without a lawyer/notary if it is to be secured individually according to the life situation, and for one person the way, the solution and security is the best and for someone else another way!

Thank you very much for all the feedback.

So building alone is absolutely not an option, financially it is simply impossible with those amounts
Getting married before that is also not an option, since I definitely do not want to rush something like that.

The bank would definitely have no problem at all if initially only I am registered in the land register and we
sign the loan together.

Hmm maybe first have something written down or drawn up by a notary so that no one gets screwed over as long as we are not married
and both are not listed in certain parts in the land register.

That's how it's done