{"id":16144,"date":"2021-10-21T09:00:25","date_gmt":"2021-10-21T07:00:25","guid":{"rendered":"https:\/\/my-life.lu\/?p=16144"},"modified":"2021-09-06T13:42:16","modified_gmt":"2021-09-06T11:42:16","slug":"separation-or-divorce-what-will-happen-to-my-mortgage-54008","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/separation-or-divorce-what-will-happen-to-my-mortgage-54008\/","title":{"rendered":"Separation or divorce: what will happen to my mortgage?"},"content":{"rendered":"<div id=\"playht-iframe-wrapper\" style=\"max-height: 210px !important;\">\n\t<iframe\n\tscrolling=\"no\"\n\tclass=\"playht-iframe-player\"\n\tid=\"playht-iframe-player\"\n\theight=\"90px\"\n\twidth=\"100%\"\n\tframeborder=\"0\"\n\tstyle=\"max-height: 90px; height: 90px !important;\"\n\tsrc=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/my-life.lu\/en\/?p=16144&voice=en-GB-Standard-C&appId=fiFJxxWiUV3tImG&trans_id=-MiuukgAgvK4s7ASinSR\"\n\tdata-voice=\"en-GB-Standard-C\"\n\tarticle-url=\"https:\/\/my-life.lu\/en\/?p=16144\"\n\tdata-appId=\"fiFJxxWiUV3tImG\"\n\tallowfullscreen=\"\">\n\t<\/iframe>\n<\/div>\n<p class=\"entete\">After a number of years together, Emma and Robert have decided to get a divorce. A tricky period that also has consequences for their assets. In particular, they are wondering what will become of their mortgage. Who will have to repay this? Will they have to sell their property? myLIFE considers the options available to them.<\/p>\n<p>Emma and Robert were already married when they bought their house. They took out a joint mortgage, agreeing to repay it by maturity. Their separation changes nothing regarding their liability to the bank: they still have to honour their commitment. If they were in a civil partnership or co-habiting, they would have the same obligation to jointly and severally repay the mortgage. So what are their options?<\/p>\n<h2 id=\"h2_0\" >The mortgage was taken out by the two spouses<\/h2>\n<p>Emma and Robert can choose between three options to manage their joint mortgage: transfer the loan to the person keeping the house; sell the property and repay the balance on their mortgage; or continue to make joint repayments.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>Transfer the mortgage to one of the borrowers<\/strong><\/span><\/p>\n<p>Emma would like to keep the house and continue to live there. To do this, the former couple must ask the bank to rescind their joint liability to relieve Robert of his obligations, and transfer the loan into Emma\u2019s name.<\/p>\n<p>For the bank to accept this request, Emma must be able to afford to take over the outstanding loan and buy out Robert\u2019s share in the house. This share corresponds to half of the net value of the property, i.e. the market value less the outstanding mortgage balance and any personal contributions invested in the house.<\/p>\n<p><strong>Example<\/strong>: If their house is valued at EUR\u00a0700,000 and there is still EUR\u00a0300,000 to repay on the loan:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Emma will have to repay the outstanding mortgage = EUR\u00a0300,000.<\/li>\n<li>She will also have to buy out Robert\u2019s share of the house estimated at EUR\u00a0700,000 \u2013 EUR\u00a0300,000 = EUR\u00a0400,000\u00a0\/\u00a02 = EUR\u00a0200,000.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Emma must therefore pay EUR\u00a0200,000 (to Robert) + EUR\u00a0300,000 (to the bank) = EUR\u00a0500,000, plus any registration fees.<\/p>\n<p><strong>Useful info<\/strong>: Until the mortgage is transferred into Emma\u2019s name, both spouses remain jointly and severally liable for its repayment.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>Sell the property and repay the mortgage<\/strong><\/span><\/p>\n<p>If Emma and Robert don\u2019t want to keep the house on these terms or are unable to do so, they will have to put it up for sale. The money from the sale will be used to repay their mortgage. Any money left over will be split between them by a notary, based on their matrimonial\u00a0regime: split in equal shares, in proportion to their respective investment, etc. However, if the sale proceeds do not cover the amount due, the difference must be repaid to the bank.<\/p>\n<p>If they decide on this option, Emma and Robert will need to check with their bank adviser if there are any <a href=\"https:\/\/my-life.lu\/en\/is-it-a-good-idea-to-pay-your-mortgage-off-early-10037\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>early repayment<\/strong><\/span><\/a> penalties on their loan.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>Continue repaying the mortgage together<\/strong><\/span><\/p>\n<p>Emma and Robert may also choose to continue repaying their mortgage together. The two former spouses must remain on good terms for this to work. They will remain jointly and severally liable for the loan and financial management of the house (charges, work, etc.), but they will each receive a separate copy of all documentation and information regarding the loan.<\/p>\n<p>Whichever option they choose, they must inform their bank adviser who will take the necessary steps to adapt to the change in their situation.<\/p>\n<blockquote><p>We recommend that you keep proof of any financial contributions, repayments or expenditure on work related to the property.<\/p><\/blockquote>\n<h2 id=\"h2_1\" >If the mortgage was taken out by a single spouse<\/h2>\n<p>If the mortgage was taken out by only one of the two spouses, the separation changes nothing to the loan. The party who took out the loan must continue to make monthly repayments, irrespective of what happens within the couple. On the other hand, if the other spouse occasionally contributed to the monthly repayments and can prove this, they may be entitled to a reimbursement.<\/p>\n<p style=\"padding-left: 40px;\">\u2192 We recommend that you keep proof of any financial contributions, repayments or expenditure for work carried out on the property (invoices, property deeds, notarised inventory, etc.). If you separate, these can be used to assess if any reimbursements can be made.<\/p>\n<p>Note that the spouse who did not take out the mortgage may sometimes be liable, in particular, if the couple were married under the universal community of property regime. Even if taken out by a single spouse, the mortgage belongs to the spouses\u2019 joint assets. In this case, both spouses are liable for repayment and remain so even if they separate.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>What happens if the mortgage was taken out by one spouse, with the other as guarantor?<\/strong><\/span><\/p>\n<p>The person providing the guarantee must ask the bank to cancel the guarantee so that they are no longer liable in the event of the borrower failing to make repayments.<\/p>\n<h2 id=\"h2_2\" >How does the legal status of the couple affect what happens to the property?<\/h2>\n<p>When a couple separates or divorces, property is divided between the two spouses. The matrimonial regime or legal status of the couple (civil partnership or co-habitation) determines the rules on ownership and division of the property.<\/p>\n<p>In the following article, myLIFE explains the consequences of the legal status of the couple on their property in the event of separation: <a href=\"https:\/\/my-life.lu\/en\/what-are-the-implications-of-buying-a-home-together-10027\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>What are the implications of buying a home together?<\/strong><\/span><\/a><\/p>\n<blockquote><p>When a couple divorces or separates, they should draw up a summary of their financial situation, starting with a list of shared products and services.<\/p><\/blockquote>\n<h2 id=\"h2_3\" >Take stock of your finances if you are getting divorced<\/h2>\n<p>As well as a mortgage, a couple that is getting divorced or separating often has <a href=\"https:\/\/my-life.lu\/en\/good-financial-management-when-facing-a-divorce-54003\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>other joint financial commitments<\/strong><\/span><\/a>.<\/p>\n<p>Emma and Robert should draw up a summary of their financial situation, starting with a list of their shared products and services: outstanding loans, <a href=\"https:\/\/my-life.lu\/en\/how-do-i-close-a-joint-account-50028\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>joint accounts<\/strong><\/span><\/a>, savings accounts, joint bank cards, powers of attorney over personal accounts, and don\u2019t forget any automatic transfers or various insurance policies (e.g., mortgage, home, third-party liability, automobile or life insurance). They should contact their bank adviser or insurance agent for help with amending their existing agreements and commitments.<\/p>\n<p>Former spouses should also expect higher expenses. From now on they will have to bear all household costs alone (accommodation, food, energy, childcare, etc.) and may also be faced with additional costs (maintenance, removal costs, new furniture and equipment, etc.), not to mention the cost of divorce proceedings.<\/p>\n<p>They should ask for advice on all of this to ensure that their transition to their new life is as smooth as possible. In particular, their bank adviser can help them <a href=\"https:\/\/my-life.lu\/en\/good-financial-management-when-facing-a-divorce-54003\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>manage their finances<\/strong><\/span><\/a> and make the choices that are most appropriate to their situation.<\/p>\n<p>Good luck!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After a number of years together, Emma and Robert have decided to get a divorce. A tricky period that also has consequences for their assets. In particular, they are wondering what will become of their mortgage. Who will have to repay this? Will they have to sell their property? myLIFE considers the options available to &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/my-life.lu\/en\/separation-or-divorce-what-will-happen-to-my-mortgage-54008\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Separation or divorce: what will happen to my mortgage?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":16141,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"","beyondwords_integration_method":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_preview_token":"","beyondwords_player_content":"","beyondwords_player_style":"","beyondwords_language_code":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[37,152],"tags":[414,470],"class_list":["post-16144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-me-and-my-family-en","category-couples-en","tag-couples","tag-contact","my_family"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Separation or divorce: what will happen to my mortgage? 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