Buying a Home Together: How Marital Status Affects the Process

Buying a property with a partner is an exciting step, but it's essential to understand how your marital status may impact the process. Whether you're married, in a civil union, or living together without being officially married, here are some factors to consider.

#### Common Law vs. Registered Partnership vs. Marriage

Before diving into the legal aspects, let's clarify the three types of relationships:

- Common-law relationship: Two people living together without being officially married. - Civil union (PACS): Two people who have registered their partnership at the town hall. - Marriage: Two people who have officially tied the knot.

#### Property Ownership

The type of relationship affects property ownership:

- Common law: Each partner owns a share of the property, which can lead to complications if the relationship ends. - Civil union (PACS): Similar to common law, but the partners can opt for joint ownership or individual ownership. - Marriage: The spouses automatically become joint owners, with the property being subject to the matrimonial regime.

#### Liability for Debts

Another critical factor is liability for debts:

- Common law: Each partner is responsible for their debts. - Civil union (PACS): Partners are jointly responsible for debts contracted for their common life. - Marriage: Spouses are generally jointly responsible for debts incurred during the marriage.

#### Taxation and Inheritance

Marital status can also impact taxation and inheritance:

- Common law: No automatic inheritance rights and different tax rules. - Civil union (PACS): Some inheritance rights and specific tax rules. - Marriage: Comprehensive inheritance rights and preferential tax rules.

#### Conclusion

Marital status plays a significant role in the home buying process. Consulting a notary or a legal expert is a good idea to clarify the implications and ensure a smooth transaction.