Only one partner buys/owns the house - How to secure it?

Hello,

here is a question from the tough life of relationships...

Suppose an unmarried couple wants to build a house. Based on past experiences, the couple does not want to own the house together at the moment, but it should be registered in the land register under only one partner. The financing is arranged so that the "owner" can finance the house alone if necessary.... The second partner wants to contribute to the installment and pay half of the additional costs.

What advantages and disadvantages do you see? What agreements or contracts can or should the two conclude between themselves?

Thanks and regards, Torsan

When the non-owner moves out, he has nothing in hand. That's how it looks. If that is desired, it can be done that way.

In addition, the loan budget will probably be lower with a borrower having only one salary. The second partner's contribution will hardly be accepted by any bank.

My ex bought an apartment back then, I basically paid him "rent." We didn't have a contract.

When our relationship broke up, I moved out, took my things with me, and that was it.

I found it quite uncomplicated and would do it the same way again at any time. And I would have had to pay rent anyway if I had lived alone.

Hello, well, I wouldn't do it if I were the partner who has to pay "rent." One partner builds wealth and in 10 years he says goodbye.

Then his partner has co-financed the house for him thanks to tax-free income (I don't think she pays tax on the rent).

First of all, it’s not about me, so I don’t have to pay any taxes.

Considering that the two of them don’t live together yet and that this is their first shared apartment/house, I actually don’t think the solution is that bad.

I would be interested in your views and experiences with such a situation.

From my perspective, the "owner" should at least have a will drawn up so that in the event of their 'sudden death' the partner is not left homeless. I also think that a lot changes when there are children together and one partner stays at home for parenting reasons, right?

Cheers, torsan

Hello,

here is a question from the tough life of relationships...

Let's assume an unmarried couple wants to build a house.

A couple wants to, then they should -> together... couple, partner, partnership...

Based on past experiences ...

...they should remain alone forever and trust no one else


No, sorry, basically - in my opinion - the partnership project is already flawed. The fundamental idea of trust is missing, one is supposed to do everything, the other can, but doesn't have to ... and the argument "from previously made experiences" not to enter into obligations together stinks badly. If someone comes to me like that, they can eat elsewhere


It’s different when one already has and the other enters life...