Originally Posted by
Lynda
Hi,
I've been with my boyfriend for a year and 3 months, we have talked about buying a house and living together. Of course he will buy the house because I don't have the money right now since I have lost my job.
I do understand he's fears of losing the money he invested but, when you love someone don't you see past that and share your lives?
He's being completely sensible. Why should he put you on title? What is your contribution?
Originally Posted by
Jack1
It sounds like there are some trust issues with the two of you.
This isn't about lack of trust. Except maybe hers. She's looking to him to make this 'grand gesture' of love in the form of money (sorry, but that's what it is) and he's too smart to do it. I'm sure she loves him, but there's more to a relationship than that. She needs to pull her own weight.
Originally Posted by
dem862
Marriage is a legal contract, part of which is business. You are asking your boyfriend for a real claim to a real asset, but your only contribution is a future relationship, which may or may not actually succeed. In effect, you are asking for something for nothing.
Thank you^.
Originally Posted by
Maple1714
I am in a similar situation, but I own the house. Will you be paying half of the mortgage every month?
This sounds most reasonable to me.
Originally Posted by
Cerby
I live with my girlfriend in the house I have purchased before we started dating. I had a contract written up that she will pay me rent (no more than she paid at her studio apartment) and that she has no legal standing in the ownership of the house until the time we choose to get married, at which point I will sign her into partial ownership. She had no problem with this and stated she would feel bad asking to own part of a house which she can't afford, and hasn't put any money into.
I think it is fair, she can't afford to pay even half of my mortgage payment, so she has no entitlement to the house, and it works. I think you shouldn't ask to be signed into something you can't afford, I think you should wait until you either choose to get married, or can afford to put your name on the deed. Nothing in life is free, and even though you're not a gold digger, you're asking for 1/2 of a house without putting in 1/2 of the cash.
Its fair to the extent she would be renting anyway. The trouble with this is she isn't investing in an asset of her own. Perhaps the two of you should invest her portion of the rent she pays you, with an agreement to split the return?
Originally Posted by
Wakeup
Yikes! Did you look into the legality of your 'agreement' Cerby? Particularily did she have separate representation (if you did get legal advice?) In Canada after living together for more than (last time I checked) two years you are considered common law spouses and if she's been paying any money to you, then that means she's contributed to the house expenses and MAY be entitled to half of the increased value of your home from the time she moved in until the time you guys separate (if you ever do).
Originally Posted by
bluesummer
Ridiculous. I moved in with my husband who owned his own place and I did not, before we were even engaged. I paid him 'rent' (my contribution towards the mortgage payments) and after we were married and I had actually contributed something towards the house I went on title. Only fair.
We have a couple of joint accounts to pay our mortgage and household bills, but otherwise maintain separate accounts and investments.
Sorry OP, but your bf is right. You should not go on title. It is completely in your favour and not at all in his.
Ah Blue, the voice of reason. Welcome back.
Second thoughts can generally be amended with judicious action; injudicious actions can seldom be recovered with second thoughts.
--Cyteen by C.J.Cherryh