Tamstar
2020-01-27 20:04:02
- #1
And what will you do if the owner simply changes the lock? What you are doing is a lot of theory. In practice, it’s different.
He buys, so he should also pay for the house. And that 100%. The interest is negligible anyway, most of the installment is HIS asset building, which you would be financing.
Contribute sufficiently to living expenses and that’s it. No stress.
Well, no stress. If his mother finds out that I’m living there “for free,” oh dear.
But yes, I think I’m overthinking it. If things get messy, even a rental contract is probably worth nothing.
What do you want then?
That you break up and you continue to live in his house? Hardly realistic.
No, just one month (or 3 or x) notice period to find something new.
You should simply bear a higher share of joint costs, e.g. groceries or the vacation would be on you. Since he alone bears the housing costs.
That would be a form of compensation. I thought that’s what it’s about?
Yes, it’s about a fair division of costs, which also takes the future into account (keyword asset building).
I might have misunderstood this "higher share," but I thought you meant that I pay in more overall than he does.
Hypothetical:
Loan costs: €1,000 (he)
Additional costs: €300 (me)
Groceries: €400 (me)
Then I would have €300 left to provide elsewhere.
Would you find that fair?