Shared household, but only one borrower

First of all, thanks for the quick answers. Now I know that the housing costs are fully charged to the borrower, since it is difficult with a rental contract. The second person has their own regular income. Will they still be included in the flat rate? That would amount to about €200 additional costs per month at the bank, right? For the self-disclosure, I can proceed as described above to reflect the actual costs, right? So partly halving costs.

Why don't you get naked and present your figures, then we can better assess it. Doesn't your partner want to have anything to do with the property at all?

Hello,
yes, I can provide some numbers. So the construction project (just under 200 sqm) is estimated by the architect to cost about €500K according to DIN 276. The plot of land is already available (worth about €50K).

Income and asset situation:
m: €3200 net; w: €2100 net (with one-time payments about an additional month’s salary for both)
Equity: m: €75K + €100K from parents; w: €25K

Housing costs:
€620 (of which €380 cold rent)

Mobility costs (for a shared car):
about €200 per month. A second car will probably be added after moving in. Probably as a lease

Insurance costs (for both):
Liability insurance: €20
Disability insurance: €60 (additional disability insurance through employer via salary conversion)

Living expenses:
about €1200 roughly 50/50
about €400 for savings for vacation (I think this will be reduced a bit :) )

=> Income €5300
=> Expenses €2500
=> Balance €2800 (m: €1950; w: €850)

Two KfW loans of €120K each (153) with KfW55 (2 residential units) are planned. The rest through a bank loan.

Does your partner not want anything to do with the property at all?

There are several reasons; we also consulted a notary and ultimately decided this together. But there will be no rental payments or similar, only the incidental costs 50/50.

So you want to finance 300k with €3,200 net? That should be feasible. It would be fair if the partner then does not contribute anything to the house, neither equity, nor furniture, nor own work. If she does not become a borrower and owner.

Hi, well, additional costs? Why not, she lives there after all. The same applies to personal contributions. And she can definitely buy furniture, that will remain hers. But with equity and financing, she should also be listed in the land register. Is a variable part possible there? For us it's 50/50 (but we've been married forever), can other ratios be used? Maybe a 20/80 split or something would make sense. That way, in case of emergency, her equity and financing share won't be lost. Regards, Olli

Hi, well, additional costs? Why not, she lives there too. The same applies to own contribution. And she can definitely buy furniture, after all, it remains hers. But when it comes to equity and financing, she should also be listed in the land register. Is a variable part possible? For us, it’s 50/50 (but we have been married forever), can other ratios be used? Perhaps a 20/80 split or something like that would make sense. Then in case of emergency, her equity and financing share is not lost. Cheers Olli

yes, and the wear and tear of the furniture^^

This is again one of those situations that leads to a discussion about fairness here in the forum. The woman is not supposed to be on the land register, but is supposed to contribute equity, etc...