In the case of co-ownership, both cohabiting partners are owners of the property and can be listed in the land register according to their share in it. The ownership ratio can be defined individually. The proportions are given in the form of fractions, for example ⅔ to ⅓. As a rule, the division corresponds to the financial participation in the purchase. With this form of ownership, each partner can freely dispose of their share.
Co-ownership as a form of ownership is mandatory if mortgage borrowers decide to contribute part of their pension provision to the financing, i.e. sums from their second or third pillar, in other words from their pension fund or private pension provision. For some people, this measure is necessary to meet the 20 percent equity requirement for a mortgage. At least ten percent must comprise their own, privately saved funds. The remainder may generally come from the pension fund. If, for example, one partner makes an early withdrawal of pension fund assets, this must also be documented in the land register.