You can register a property you buy jointly with your partner
Have you not got any type of registered union in place at the moment? You can choose from approximately 3 different forms: marriage, civil partnership (geregistreerd partnerschap) or a cohabitation agreement (samenlevingscontract). You can get in touch with a notary for further information and advice on which form is most suitable for you.
Married status and civil partnership
Was your marriage or civil partnership concluded before 1 January 2018, and have you not drawn up any additional conditions? If so, that means that all existing and future assets and debts of you and your partner are jointly shared; this also includes your owner-occupied home.
On 1 January 2018, the Wet Beperkte Gemeenschap van Goederen (Limited Joint Property Act) was implemented. This means that you when you marry, there is no longer an automatic joint ownership of property. Your own possessions and debts, such as a house or mortgage, will remain yours. If this is something you do not want, you can arrange that in a prenuptial agreement through a notary. The same applies to civil partnerships.
Within a cohabitation agreement, a registration will be made that you are joint homeowners, and therefore also jointly responsible for any mortgage debt. Even with a cohabitation contract, it is wise to take out life insurance. You can also choose to open a retention clause (verblijvingsbeding). It states that all joint ownership in the event of your death will be bequeathed to the person who you are living together with. And would you like your partner to receive any accrued dependent’s pension (nabestaandenpensioen)? If so, please contact your pension fund.
Good to know: within a cohabitation agreement you can only incorporate joint assets and not personal assets such as your savings. That is why it may also be wise to have a will drawn up by a notary.