What to remember when you take a mortgage for 20 years together with your husband

The housing issue is one of the stumbling blocks of all young families. You are happy, dream to start a family and live happily ever after. Not with your parents, not in a rented apartment, but in your own nest. A 20-year mortgage doesn’t seem like such a bad option. You are together, in love and confident. What could go wrong?



Editorial "Site" It tells a story where everything went wrong.

When we first got married, we didn't have a stake or a yard. I lived in a dormitory and my husband was with his parents. We decided to live separately, independently and slowly save for an apartment. It would be fine, but soon after the wedding I got pregnant. When my daughter was born, it became very difficult. Overall, nothing new.



So we moved in with my husband's parents. I thought it would be a couple of years, but it didn't work out as it seemed. We lived with them for over 10 years. And life wasn't sweet, I'll tell you. My mother-in-law didn’t like me, our relationship was complicated. And the father-in-law and mother-in-law were biting like dogs. At home, there are always scandals, screams. What I'm going to tell you was not easy. Maybe somewhere out there our love ended.

My husband and I have always dreamed of having our own apartment and building our own nest. And when the chance came, immediately took a three-bedroom apartment in a mortgage. Mortgages for 20 years, interest rates are high, but we haven't thought about it. They made a down payment, issued documents, and by the summer moved to their apartment.



While we were engaged in housing, everything went well. There were no more scandals and dramas, there was peace and comfort. But after a while, I realized that the essence of the problem had not gone away. No more love, no more feelings. I don't like him, he lives with me like a neighbor. It would seem that you are waiting, divorce and do not torment each other. But there's a small, huge problem.



We only pay 5 years for the mortgage. There's 15 left. I'll be 50 for a minute when we pay the mortgage. But I can't live like this anymore. We would have divorced a long time ago, but what to do with the loan and how to divide the apartment? We haven't talked about it yet, but we're both thinking about it. Nobody wants to give up, but none of us can live like this.



I don't know what to do. I don't want to leave my apartment. Why should I? I'm gonna have our daughter together. You could change it, but it's two singles. Why do I have to be alone with my daughter? It's been like this for 10 years. But the husband will not pull and mortgage, and rented apartment.

There is a situation from which I see no way out. No matter what, someone will be offended. But you can't live like this for another 15 years. Life goes by, and we all cling to this miserable apartment. What is the right thing to do? What do I do?



When the heroes of our history took a mortgage for 20 years, they did not think that their love would end before they paid off the loan. It's sad that this happened. Sometimes life and routine are merciless. Even strong feelings collapse under their pressure. What about husband and wife? To start, of course.

We don’t think there’s a way to make it so that everyone is happy. No matter what, the apartment will have to be divided. Just like that. On the one hand, the wife stays with her daughter, so she seems to have the right to keep most of the property. And on the other hand, they paid for the mortgage equally, so the apartment should be divided honestly.



Is it worth taking a mortgage for 20 years? We are no longer ready to say yes. Even if you are confident in the person next to you, in 10 years everything can change. We thought for a long time that we could advise the heroes of the story, but found no solution to the problem. What would you recommend to them?