Pension provision analysis: According to the law, cohabiting couples often don’t have any or only limited benefits when it comes to accident insurance, AHV and pension funds. Which arrangements should I make in regard to the case of death? A professional consultation can help you here.
Ownership: Think about which one of the three ownership types works for you. Co-ownership would require you to specifically define who owns which share of the property.
Quote: There are different deciding factors as regards the division of property: Who can contribute with how much equity? Who will contribute what to the maintenance costs? What are the tax consequences, considering that mortgage interest rates can be deducted from the salary?
Cohabitation agreement: A written contract is not obligatory but it can prevent conflicts about cost contributions, ownership or in the case of separation. A cohabitation agreement must generally be drafted individually. Plan enough time for this.
Cost contributions: Keep track of investments in the property, contributions to the maintenance costs, etc., and document who contributes which share. Keep the receipts for the long term. Such preparations allow you to work out later on – if necessary – who contributed what to the common property, investments and value creation. If nothing is documented, the shares recorded in the land registry are deemed valid.