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well to me it doesn’t seem fair for the non-owner to help pay off the house and the other getting to own all of it.
The price for owning that house is not just the loan but the interest as well. A home is more than a financial investment, but a necessity. Imagine buying a car that you let your SO use but insisting that she pay a quarter of the cost because the car loses half its value as soon as you drive it off the lot and it’s only fair that she pay half of that money thats “lost” but then keeping all the money once you sell the car to yourself
and your partner would get nothing if she “bolted” even though she paid money so you could have it
and you think thats fair??? “It’s a bit like I’m the landlord and my partner is the tenant” is the argument I’m trying to make