Guider
Praktiske guider til samlevende: ejerskab, bidrag, aftaler og opgørelse.
- Aftaler
Samejeoverenskomst: hvad den bør indeholde
En samejeoverenskomst er en skriftlig aftale mellem papirløst samlevende, der fastslår, hvem der ejer hvad, hvordan udgifterne deles, og hvad der sker med boligen og opsparingen, hvis I går fra hinanden.
Læs guiden → - Boligkøb
Hvem ejer hvad, når I køber bolig sammen
Ejerskabet af en fælles bolig følger skødet og tingbogen — ikke fornemmelsen af, hvem der har bidraget mest.
Læs guiden → - Økonomi
Skæv udbetaling — sådan deler I ejerskabet fair
Når den ene lægger flest penge i boligen, er den mest retfærdige løsning oftest en vandfaldsopgørelse: hver får sit dokumenterede bidrag tilbage først, og resten deles efter de aftalte ejerandele.
Læs guiden → - Brud
Hvad sker der med boligen, når papirløst samlevende går fra hinanden
Den ene kan normalt købe den anden ud eller kræve boligen solgt. Konflikten handler sjældent om retten til at sælge — men om vurderingen og udbetalingen.
Læs guiden → - Grundlæggende
Papirløst samliv vs. ægteskab: de juridiske forskelle
Ægteskab udløser automatisk et regelsæt for formue, arv og forsørgelse. Papirløst samliv udløser stort set ingenting — I har de rettigheder, I selv har skrevet ned.
Læs guiden → - Aftaler
Hvad sker der, når en papirløst samlevende dør?
Papirløst samlevende arver ikke hinanden automatisk. Uden testamente og dokumenteret ejerskab kan den efterladte miste både hjemmet og de fælles værdier til afdødes legale arvinger.
Læs guiden → - Money
Does paying more of the mortgage increase your ownership share?
Not automatically. In most countries ownership follows documentation and financing, not assumptions — so extra mortgage payments only count if they are recorded and agreed.
Læs guiden → - Agreements
Cohabitation agreement vs joint ownership agreement: what's the difference?
They are two different documents that complement each other: the joint ownership agreement regulates the property itself, while the cohabitation agreement regulates your wider financial life together.
Læs guiden → - Money
How should unmarried couples document renovations?
Renovations raise the home's value, but without receipts, photos and a running log the partner who paid often gets nothing back at sale or separation — especially when only one of you owns the home.
Læs guiden → - Agreements
What does a cohabitation agreement cost?
There are three realistic routes — a lawyer, a free online template, or an app-based agreement. The price tags differ, but the expensive option is usually having no agreement at all.
Læs guiden → - Agreements
Can you write your own cohabitation agreement?
Yes — in most countries a private agreement between partners is valid without a lawyer, as long as it is written, clear and signed by both. The real risks are vague wording and forgotten assets, not the missing lawyer.
Læs guiden → - Money
Moving into your partner's home: what you should know
Moving into a home your partner owns is common — and risky for the non-owner. Rent-like payments and shared expenses normally build you no ownership at all unless it is agreed and documented.
Læs guiden → - Money
Buying out your partner from the shared home: how does it work?
A buyout means one partner takes over the home and pays the other their share — based on a valuation, documented contributions and ownership shares, plus a bank willing to refinance the mortgage.
Læs guiden → - Money
How to calculate ownership shares when buying a home together
The ownership share should follow what each of you actually finances: set it from your equity contributions alone, or from total financing (equity plus loan shares) — and document the choice at the purchase, not years later.
Læs guiden → - Your rights
Common law marriage does not exist in England and Wales
No matter how long you have lived together or whether you have children, cohabiting partners in England and Wales get almost none of the automatic rights married couples have.
Læs guiden → - Ownership
Declaration of trust: what it is, what it costs and when you need one
A declaration of trust is the document that records who really owns what share of a property in England and Wales — and it is the single most useful thing an unmarried couple can sign when buying together.
Læs guiden → - Ownership
Joint tenants vs tenants in common: which should you choose?
Joint tenants own the whole property together and the survivor takes everything; tenants in common own defined shares that can be unequal and passed on by will. For unmarried couples, tenants in common is usually the safer choice.
Læs guiden →