Two-family house - Two parties, two financing loans?

Just make sure to record everything beforehand. If afterwards you no longer get along and don't share... Married to each other forever :)

Just make sure you record everything beforehand. If you’re not on good terms afterwards and don’t split... Married to each other forever :)

Sure, but otherwise the bank certainly won’t finance it if no division has taken place yet. And a division can’t happen before because otherwise there would be a blocking period for the current tenant. So you have to bite the bullet for the first few months until the tenant is out, and then carry out the division. Party A and my partner also want a division as soon as possible to prevent such situations.

Why don’t you make the deal yourself? I would be reluctant to be dependent on my partner.

Why don't you make the deal yourself? I wouldn't want to be dependent on my partner.

What exactly do you mean? My partner will move in there first; I still live and work somewhere else, for now. Her parents currently live there and have the opportunity to buy the house at about 20% below market/current value; otherwise, if sold otherwise, they would certainly have to move out. They cannot buy the house on their own. As soon as my partner and I build/buy, the apartment will be rented out. I know many are put off by this, but after consideration, it is the best solution for her. Given the currently tight housing market, you won't find such an "apartment" again.

Unfortunately, I do not have the option to buy the house for this money, only her parents do. Longtime acquaintance...

Sorry. I misunderstood something there.

As soon as my partner and I build/buy, the apartment will be rented out. I know many are put off by this, but after consideration, it is the best solution for her. In the currently tight housing market, you won’t find such an "apartment" again.

If it is already clear that this will happen in the next few years, then the financing should be structured with tax optimization in mind. Low repayment and low equity investment for the current loan. The interest can then later be claimed as expenses on the rental income. It is better to save the equity and ongoing surpluses for your own house construction. The interest there cannot be deducted for tax purposes. Possibly, even a building savings contract independent of the financing might make sense. If building the house doesn’t work out and you continue living there, you pay off the loan after 10 years with the building savings contract. If the house construction happens, you use the building savings contract to reduce the lending value and you have already secured favorable interest rates now.