So building alone is absolutely not an option, financially it simply doesn’t work with these amounts
[..]
The bank definitely wouldn’t have any problem with only me being registered in the land register at first and us signing the loan together.
Hmm maybe first have something in writing or drawn up by a notary, so that no one gets left out, as long as we’re not married and both aren’t registered in specific shares in the land register.
So after the wedding everything has to be changed again, so that she is also registered in the land register? The prices will be quite hefty, arising from the fee schedule based on €250,000 land + €500,000 house value. There are several contracts, registrations, etc. that have to be paid.
HilfeHilfe has already described the core problem well: The girlfriend is liable on the loan but has received no countervalue for the loan. The notary contract can say whatever it wants, the bank does not have to adhere to it. The bank will also never(!) release the girlfriend from the contract, because, I quote: “building alone is absolutely not an option, it simply doesn’t work financially.”
So even after a separation, the girlfriend will have to pay off a foreign house. The only solution to get out of this will be a full sale, but if one party refuses, both are trapped. This problem actually exists with every financing, but on paper you at least still have 50% (here €375,000) countervalue in the house.
: What does your girlfriend actually say about how she wants to arrange this?
I’m curious what solution proposals your notary will present. Please report back.