Shared household, but only one borrower

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

They also get worn out by the wife, if she works less, yes, also more...

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

What is fair if the man pays (almost) everything and in the end – if things go badly – is left with nothing?
Therefore possibly with shares in the land register, but not 50/50.
Olli

The bank calculates with flat rates. You have an income, but it's a 2-person household.
House costs are of course entirely your responsibility, since the girlfriend can move out.
So you are basically considered like a single who supports a second (unemployed) person.
The partner's rental contract is of absolutely no interest to the bank, since it's fake and not sustainable (immediate subletting possible?).
If you can afford the house alone, that is completely fine for the bank. If you cannot, your girlfriend must co-sign the loan agreement.

How is the bank supposed to know that a second person lives in the household if you are not married?

Where is the bank supposed to know that a second person lives in the household if they are not married?

Because the OP has to state it in the self-disclosure. Number of persons in the household. If he does not indicate it, he knowingly lies to obtain a loan (exaggeratedly put).

Because the OP has to state it in the self-disclosure. Number of people in the household. If he does not state it, he knowingly lies to fraudulently obtain a loan (exaggeratedly put).

Seriously, does a bank check that so thoroughly? It can be that one is separated at the time of the self-disclosure and later gets back together, for example...

Seriously, does a bank check that thoroughly?

No. But one must be aware that it is fraudulent behavior. Does the bank also check my private health insurance? Or my other expenses? No - it doesn't either. Why even provide information... In the OP's situation, the question doesn't matter anyway, since the creditworthiness is fine.

Hello,
The partner should neither be listed in the financing nor contribute equity for the house. We will only split the ancillary costs 50/50 and share the furniture.

Therefore the question is how to best approach the bank and whether financing under these conditions is possible at the bank.

So you want to finance 300k with 3,200 € net? That should be feasible.

Something like that, yes. Unfortunately, I don’t have a contract with the general contractor yet, only the estimate from the architect. But a loan of 350k € should also be possible, right?

Because the OP has to indicate the number of people in the household on the self-disclosure form. If he doesn’t indicate it, he knowingly lies to obtain a loan (to put it bluntly).

Isn’t only the co-applicant listed on the self-disclosure form, which in my case does not exist?