Me and her, he and me... or who is the one holding the rights here? Che.guevara is a burned child who sees himself as a victim.
If you live in partner and marriage mode, you should eventually think in family mode. You cannot balance out who pays more or less into the family pot. Even in the face of a later separation, everyone will have disadvantages and losses for themselves. Usually, in their own eyes, more than the other. You can secure yourself conditionally, but not everything. Certainly not feelings.
If you both are listed in the land register, you will both become owners of the property, each with half. Whoever is registered as the borrower will have to share the debt, at least on paper – you are both the contact persons for the bank. The bank doesn’t care who ultimately pays. In the event of a separation with all consequences, one will have to be paid out. Since everyone is registered with half, ownership and debts are theoretically halved. The equity that one of you has invested in the property will no longer be acknowledged or shown. It could be that your "reckless" wife stays in the house with 3 children due to the child’s welfare, you move out, you pay for the children and the house, as well as for your small place, and you then see yourself as the conned husband and victim, like ... especially when it comes to future partnerships. Therefore, one can consider whether and how a marriage contract is drawn up... whether this then makes one happier is another matter. As long as the woman earns less and the automatic process of having children sets in, the woman stays at home and does not choose the first over the career between career and children, the man being responsible for the big money, the situation in case of separation will always be the same.
Best regards, Yvonne