Together to homeownership - rent-to-own possible

Is it mainly about securing the separation case?

Of course. In a separation, you no longer get along, so a contract in advance. Otherwise, you would need neither a purchase contract, nor a loan agreement, nor a land registry entry.

Somehow reminds me of the "generous" offer of an ex-partner...

His idea back then: house in his name, I should buy the furniture with my own capital and pay him half of the costs – after all, I would have to pay rent otherwise...

Everyone has to decide for themselves.

I also fell for the trick "later on the land register." After the breakup, it set me back years in acquiring my own property... Learned my lesson

right

When buying a house, things always get absurdly romantic. The protective man who wants to keep the helpless woman out of all the bad bank obligations.

But I can't listen to the nonsense anymore that you have to pay rent anyway. Move out, pay rent, and just visit each other^^

Somehow reminds me of the "generous" offer of an ex-partner...

His idea back then: house in his name, I should buy the furniture with my equity and pay him half of the costs - after all, I would have to pay rent otherwise...

Oh yes, I once got a similar (not quite as expensive) proposal: "we" buy a family car - meaning with my money in his name... Great!

We have probably scared off the OP right away. But my question about securing the separation case was meant seriously. It could also be the goal that she actually acquires shares in the property through her rent payments. How to arrange something like that, I don't know, except showing up at the notary every few years and transferring x% again?

We just scared off the OP. But my question about securing the separation case was serious. It could also be the goal that she actually acquires shares of the property through her rent payments. How to arrange something like that, I don’t know, except showing up at the notary every year and transferring x% again?

Then you’d have ongoing notary costs... guaranteed expensive. Aside from that, I don’t know if the bank doesn’t have to approve every time because of the mortgage. Even better, out of convenience, people don’t even register the new %s.

The solution is actually quite simple: both in the land register, both in the financing. The percentages could be divided according to contributed equity, income, or whatever, but since each partner brings their full working power (employment income, childcare, or whatever), 50% is the easiest, most common, and in my opinion the fairest solution. Both are liable for 100% in the financing anyway, not just a share.

Or find a partner who has the same financial power as yourself — teachers come to mind spontaneously.