Property ownership house purchase: Unmarried land register entry

What kind of home is it supposed to be? A family home in the long term? If yes, I find it strange to plan it with a "view of separation." What speaks against waiting and then building when your partnership has solidified?

You can acquire the whole thing in any constellation. So, for example, also 75/25 or something like that. I would definitely do it that way if it becomes difficult alone. Even after the marriage, the status quo does not change automatically. This means that what you have paid off and paid until then can no longer be taken away from you.

What price are you roughly assuming for a plot of land? Is your equity sufficient? If not, you could probably buy the plot on your own with a small additional financing, right? That's how I would simply approach it pragmatically. You buy the plot alone and then you have to plan first and lay all cards on the table anyway. It will definitely take another 2.5 to 3 years until then. If you break up by then, everything is settled, if not, too. If you get married then, it doesn't matter anyway. And if she has a problem with such a solution, it's worth considering whether being with her makes sense... :p

A solution that both can live with must definitely be found. And that must be clarified beforehand. Being unmarried - as I have mentioned more frequently - makes mutual inheritance more complicated. Powers of attorney, etc., also need to be clarified. Private individuals can, for example, quite easily establish a [Gesellschaft bürgerlichen Rechts (GbR)], in which everything essential is contractually recorded. And don’t forget: depending on the requirements for the property (single-family house), several hundred thousand euros must be paid.

We back then financed 50/50 in the land register and together as two (the bank doesn't care how much comes from whom, you then have a joint house account where you can pay in proportionally to your salary). The imbalance in equity was regulated with a private contract (paying out the equity in case of separation). After marriage, it was then equalized.

Let's put it this way, if a couple survives building a house together, they already have a good foundation for the even longer-term binding project of children. :D