My property, building together

Thank you very much for all the feedback.

So building alone is absolutely not an option, financially it just doesn’t work with those amounts.
Marrying before that is also not an option, because 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 both sign the loan together.

Hmm, so maybe first get something in writing or have it drawn up by a notary, so that no one is left out in the cold as long as we’re not married
and both don’t appear in the land register to specific shares.

Of course the bank would have no problem with that. But sorry, your girlfriend would be stupid to sign a loan agreement without being listed in the land register.

Of course the bank would have no problem with that. Just sorry, your girlfriend would be stupid to sign a loan agreement without being registered in the land register

You can surely draw something else up so that everything fits until a possible marriage?

Of course the bank would have no problem with that. Just sorry, your girlfriend would be stupid to sign a loan agreement without being registered in the land register

I don’t understand why there still needs to be speculation! None of us can individually help here, no one! The only correct advice here can be to make an appointment with a lawyer/notary!

Then find yourself a lawyer or notary and have them legally map out such worst case scenarios flawlessly, like:

you both sign the loan, you alone are listed in the land register, after your death your parents inherit at least part of the house and cannot continue to service the loan - which is why the bank considers holding your girlfriend jointly liable (who at best has inherited a share of the house from you expensively, but at worst does not even get entered in the land register)

Can you still set something up in another way so that everything fits until the possible marriage?

Of course, everyone has to decide that for themselves, but my brother and his now wife had a similar situation. She brought a plot of land on which they built, well, he already brought a house that was probably factored in. Nevertheless, they arranged a lot and afterwards both said "we wouldn’t do it like that again."

Of course, it is not the right approach to marry just to make things easier. But for me personally, it would be quite simple: with the wedding (civil ceremony, formal is completely sufficient) everything is then settled. And with the joint house construction, from my perspective, you are basically making the "promise" to stay together until the end of your life. So you can also get married on paper and save quite a bit of money. At €750,000 and up, we’re not talking about small amounts, although (since the plot of land is already there anyway) one could also say just to wait.

In my opinion, a shared house binds more than the wedding ring. Giving the money away to the tax office out of fear of the signature seems idiotic to me. Really, it's only about the money - you don't have to make it an act of love. If that's too strong for you, better build alone.