Planning to build, is it realistic? Young + Equity

Thanks already for your answers. So the money will definitely not be squandered or spent on useless stuff. It's currently in the stock portfolio, as it basically always has been.

I'm sure that I want to keep living here. I have family, friends and work here and hopefully, that will stay the same. Whether my relationship with my girlfriend stays or not, that should have nothing to do with the house for now.

@Kermit I meant a house according to my ideas.

Hello,

100k with 2k income = yes

200k with 2k income = no or involve your girlfriend in the financing

I can only agree. When you are so young, a lot can happen, especially professionally. You could move abroad or change to another company involving relocation. Then you have a house that is rented out. You should better make this "life plan" yourself. Regarding your girlfriend: in her place, I wouldn't do it that way. Especially not having to pay rent. A bank wouldn't count this as income anyway for a single-family house. Either fully or not at all. But she is still young, so no worries.

House probably because a house is standard in your family? With a 350k gift, it’s obvious. I would rather see you in a large apartment that rents very well if you take the house.

Regarding your investment, stocks are volatile, tomorrow it could quickly be 320k. 10% discount, but you will surely know that.

About the gift. The 350k is fixed? So it can't be that someone comes and changes it again? Surely checked by the tax advisor and notary.

Hello

the first post by Bieber0815 hits the nail on the head!

Regarding the division with girlfriend/future wife... we did 50:50 even though I earn 90% of the income and also "bring in" 90% of the equity. Why still 50:50? Because I see us both as equals and my wife brings many non-material things into the relationship. Household, raising children, and so on. Now, with marriage, of course it's much easier. Therefore, it is a good idea to first "clarify" the family (marriage, child) and then take on such a big project together. If the man wants to finance/own everything alone, I feel sorry for the future wife. Then the man should also keep everything clean alone

Well, I can definitely understand the creator of this topic. Relationship or not, a marriage can turn out differently than planned. And if only one partner brings in the capital, it is completely understandable to have concerns in that regard.

Sure, you might think differently now because you live in a harmonious relationship and I wish everyone that it stays that way. But there is no guarantee.

When my father built the house, he paid for it alone and furnished it with his then wife. A few years later she cheated on him. The lady then emptied half the house for him, but she couldn’t get more than that. It can also turn out that way, dear people.

With my girlfriend and me, it will also be the case that I pay off the house alone. She doesn’t pay rent but contributes to living expenses by, for example, paying for groceries. Nevertheless, she remains independent.

She is completely satisfied with this solution.

And if you decide to get married later, from that point on it will be calculated should things go wrong; from that perspective, the house would then also be secure.

Well, I can quite understand the creator of this topic. Relationship or not, a marriage can turn out differently than planned. And if only one partner brings in the capital, it is completely understandable to have concerns in that regard.

That is what prenuptial agreements are for. In cases of strong imbalance in income and/or equity, it is actually a must. Of course, no one can predict the future..

Well, I can definitely understand the creator of this topic. Relationship or not, a marriage can turn out differently than planned. And if only one partner brings in the capital, it is completely understandable to have concerns about that.

Of course, you think differently now because you live in a harmonious relationship, and I wish everyone that it stays that way. But there is no guarantee.

When my father built, he paid for the house alone and furnished it with his then wife. She cheated on him a few years later. The lady then emptied half the house, but she couldn’t get more than that. It can also go like this, dear people.

With my girlfriend and me, it will also be that I pay off alone. She doesn’t pay rent but contributes to living expenses by, for example, paying for groceries. Nevertheless, she remains independent.

She is completely happy with this solution.

And if you decide to marry later, it will be calculated from that point on should things go wrong, so the house would be secure then as well

Thank you! That’s exactly the point. And exactly this solution with buying in, etc., we have planned and already discussed.

Regarding your investment, stocks are volatile; tomorrow it could quickly be 320k. A 10% discount, but you surely know that.

About the gift. Is the 350k fixed? So no one can come along and challenge it again? Surely checked by the tax advisor and notary

I think I know how stocks work
And everything is settled!

If someone pays off their house and thereby "saves" money, and the partner is supposed to pay for the groceries, then that is unfair from the beginning. In that case, the partner is essentially helping to finance the other person's house. I think if one is already so skeptical from the start, then they should just wait a little longer before building the house.

Best regards
Sabine