Taking over half of the house after separation - questions about options

This will only work if the bank agrees to release the debtor. It already didn’t work with the ex-wife, so that’s out of the question here.

Option 2 with your father could work, but doesn’t have to. The bank might consider a debtor change here, but your father would only take over the loan and not the house. So it’s just a classic sale from your ex-girlfriend to your father. Does he already know about his luck?

In Step 1, I would clarify that with the bank. Actually, there should be enough free collateral available to increase the loan again. The only question is whether the monthly income is sufficient for the bank. But you will only find out that from the bank, and of course your household budget should be as accurate as possible.

If that is not possible after all
How much could you pay her immediately?
Assuming €10,000 immediately and €15,000 she gives you as a loan and gets an entry in the 2nd rank in the land register in return, and you then pay it back in installments. Here, the question is also whether you have enough left monthly.

What does 2nd rank mean? But that would still mean she remains in the credit/loan?

right, she doesn't want that, does she?

What does 2nd rank mean? That would still mean she remains in the loan/credit?

Option 1:
My salary has currently increased by about €200 net, plus the maintenance payment for the ex-wife is no longer required. However, a consumer loan has been added. It could work, but I have little hope.

Option 2:
What do you mean by that? If my father takes over half of the loan, he would also become owner of half of the house through the sale, or how should I interpret your sentence "your father would only take over the loan and not the house"?