Paying "rent" to the partner... how?

  • Erstellt am 2020-01-27 18:47:18

Tamstar

2020-01-27 20:04:02
  • #1


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.


No, just one month (or 3 or x) notice period to find something new.


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?
 

haydee

2020-01-27 20:13:10
  • #2
No, I wouldn’t find that fair

He 1000 minus interest for asset building
You 300 euros asset building
 

Zaba12

2020-01-27 20:23:38
  • #3
The approach is good
 

nordanney

2020-01-27 20:42:17
  • #4
Specifically, if you really want to share everything correctly:
He finances €300k at 1% interest = €250 monthly (since it is an annuity loan, the interest decreases monthly).
Share the amount = your basic rent
Share the additional costs
Share your living expenses
Repayment on the financing is his asset building.

Conclusion: Your contribution to the property financing is almost negligible. If you pay more than half of the interest costs, you are losing out.
 

Tamstar

2020-01-27 20:43:37
  • #5
Well, one could say: I 300 € plus whatever else I would have to pay more in rent.

If I lived alone:
Rent 600
Additional costs 100
Groceries 300
Asset building 300
Total 1300

With him:
Additional costs 300
Groceries 400
Asset building possible: 600
 

nordanney

2020-01-27 21:09:41
  • #6
You could. Then you are financing his asset accumulation. If you want that, then do it. The fact is, you live together in HIS house, for which YOU then provide the repayment. I don't care, but you asked. Anything that is more than half of his interest costs you might as well burn. The result is the same for you. However, I wonder why you even ask if you don't want to hear an objective result?
 

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