Two-family house with 2 owners

That always works as in any apartment building.

Then several meters will probably be needed.

I suspect that from the bank's perspective it is more about the risk in the event of a possible realization by the bank. In that case, a completely independent semi-detached house is significantly more attractive when selling than a semi-detached house with shared ownership. The bank will possibly factor this into the determination of the lending value.

I also fear that we will have to reckon with an interest surcharge. On the other hand, there are also condominiums in multi-family houses, which often have even more shared ownership (e.g. common stairwell). I think most banks do not see a higher risk there either.

I also fear that we will have to expect an interest rate surcharge. On the other hand, there are also condominiums in multi-family houses, which often have even more common property (e.g. shared stairwell). Most banks probably do not see a higher risk there either, I suppose.

But that is a "normal" condo. You specifically want to create the character of a single-family house (semi-detached house). That is a completely different product. For you, for example, the garden is only an assigned special right of use. It does not belong to you.

But this is a "normal" condominium. You actually want to create the character of a single-family house (semi-detached house). That is a completely different product.
For example, in your case, the garden is only an allocated special usage right. It does not belong to you.

The plot is to be divided ideologically, the boundary is determined by the dividing wall of the semi-detached houses. This then also leads to relatively equal plot sizes per residential unit.

On the other hand, I also think that if the heat pump breaks down, I have to repair it, whether it belongs to me alone or to us jointly. In the second case, at least we can split the costs.

And what if one of the parties doesn’t have money for it at that time? Or if you can’t agree on replacing the heat pump (one wants to replace it before it breaks, the other wants to wait till the bitter end)? That’s a lot of potential for conflict. I wouldn’t want that. Owners can also change over time and then your friends won’t be living next door anymore. What will you do then? I wouldn’t want that.

The property is to be divided notionally, the boundary is determined by the dividing wall of the semi-detached houses. This also leads to relatively equal plot sizes per residential unit.

There is no such thing as a notional division as such. There will still be one property listed in the land register and you have to define an allocation and the corresponding use (special right of use) in the declaration of division. Condominium No. 1 with 50/100 MEA in district X, parcel Y of 1,000 sqm as well as special right of use for garden area A according to the declaration of division... This is approximately how it will look and be recorded in the land register.