{"id":19768,"date":"2026-04-09T10:20:19","date_gmt":"2026-04-09T08:20:19","guid":{"rendered":"https:\/\/jh-recht.de\/allgemein\/gemeinsamer-kredit-nach-der-trennung-wer-zahlt-wenn-nur-einer-profitiert\/"},"modified":"2026-05-13T09:07:13","modified_gmt":"2026-05-13T07:07:13","slug":"gemeinsamer-kredit-nach-der-trennung-wer-zahlt-wenn-nur-einer-profitiert","status":"publish","type":"post","link":"https:\/\/jh-recht.de\/ru\/rechtsbeitraege\/gemeinsamer-kredit-nach-der-trennung-wer-zahlt-wenn-nur-einer-profitiert\/","title":{"rendered":"\u0421\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u044b\u0439 \u0437\u0430\u0435\u043c \u043f\u043e\u0441\u043b\u0435 \u0440\u0430\u0441\u0441\u0442\u0430\u0432\u0430\u043d\u0438\u044f \u2013 \u043a\u0442\u043e \u043f\u043b\u0430\u0442\u0438\u0442, \u0435\u0441\u043b\u0438 \u0432\u044b\u0433\u043e\u0434\u0443 \u043f\u043e\u043b\u0443\u0447\u0430\u0435\u0442 \u0442\u043e\u043b\u044c\u043a\u043e \u043e\u0434\u0438\u043d?"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"
\n

\u041a\u0442\u043e \u043f\u043e\u0433\u0430\u0448\u0430\u0435\u0442 \u043a\u0440\u0435\u0434\u0438\u0442 \u043f\u043e\u0441\u043b\u0435 \u0440\u0430\u0441\u0441\u0442\u0430\u0432\u0430\u043d\u0438\u044f? \u0423\u0437\u043d\u0430\u0439\u0442\u0435, \u043a\u043e\u0433\u0434\u0430 \u0432\u044b \u043c\u043e\u0436\u0435\u0442\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u043e\u0432\u0430\u0442\u044c \u0432\u043e\u0437\u0432\u0440\u0430\u0442\u0430 \u0434\u0435\u043d\u0435\u0433 \u0438\u043b\u0438 \u043e\u0441\u0432\u043e\u0431\u043e\u0434\u0438\u0442\u044c\u0441\u044f \u043e\u0442 \u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u0438.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":23959,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[180],"tags":[1396,1394],"class_list":["post-19768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rechtsbeitraege","tag-familienrecht","tag-julia-hoffmann"],"acf":{"header_address.Content":"","header_opening_hours.Content":"","header_phone_number.Content":"","child_entity.Value":"","001_page_meta.page_image10.Id":3778,"001_page_meta.page_image9.Id":3778,"001_page_meta.page_image8.Id":3778,"001_page_meta.page_image7.Id":3778,"001_page_meta.page_image6.Id":3778,"001_page_meta.page_image5.Id":3778,"001_page_meta.page_image4.Id":3778,"001_page_meta.page_image3.Id":3778,"001_page_meta.page_image2.Id":3778,"001_page_meta.page_image1.Id":3778,"0001_website_meta.site_logo.Id":12328,"galleries_enabled.Value":"true","multi_language_maps_enabled.Value":"false","001_page_meta.featured_image_mobile.Id":23959,"001_page_meta.featured_image.Id":19702,"001_page_meta.content_image_3.Id":null,"001_page_meta.content_image_2.Id":null,"001_page_meta.content_image_1.Id":null,"parent_entity.Value":"Familienrecht","type_entity.Value":"rechtsbeitraege","0001_website_meta.site_logo_inverted.Id":3778,"02_hero_content.hero_image3.Id":null,"02_hero_content.image_hero_content3.Id":null,"02_hero_content.image_hero_content2.Id":null,"02_hero_content.image_hero_content1.Id":null,"heading_hero_benefit3.Content":"","heading_hero_benefit2.Content":"","heading_hero_benefit1.Content":"","heading_hero_slider.Content":"","02_hero_content.hero_image8.Id":null,"02_hero_content.hero_image7.Id":null,"02_hero_content.hero_image6.Id":null,"02_hero_content.hero_image5.Id":null,"02_hero_content.hero_image4.Id":null,"top_heading_hero.Content":"

Julia Hoffmann - Stark an Ihrer Seite \u2013 f\u00fcr Familie, Verm\u00f6gen und pers\u00f6nliche Rechte.<\/div>","02_hero_content.hero_image2.Id":null,"02_hero_content.hero_image1.Id":null,"hero_content_form_benefit2.Content":"","hero_content_form_benefit1.Content":"","hero_content_form_benefit3.Content":"","hero_content_form.Value":"","hero_gallery_enabled.Value":"false","main_heading_hero_cta.Value":"\/kontakt","main_heading_hero_cta.Attribute":"Kontakt","sub_heading_hero.Content":"Fachbeitrag im Famielienrecht","main_heading_hero.Content":"Gemeinsamer Kredit nach der Trennung - wer zahlt, wenn nur einer profitiert?","subheading_contact_form.Content":"","contact_area_contact_form_phone_text.Content":"","contact_area_contact_form_name_text.Content":"","contact_area_contact_form_message_text.Content":"","contact_area_contact_form_mail_text.Content":"","contact_area_contact_form_button_text.Content":"","contact_form.Value":"","contact_address.Content":"","opening_hours.Content":"","map.Value":"","heading_contact_form.Content":"","telephone.Value":"","e-mail.Value":"","e-mail.Attribute":"","calendly_enabled.Value":"false","contact_image_enabled.Value":"","contact_maps_enabled.Value":"","calendly_url.Value":"","calendly_url.Attribute":"","online_form_name.Content":"","online_form_source.Value":"","testimonial3_customer.Content":"","04_social_proof.testimonial1_image.Id":null,"04_social_proof.testimonial2_image.Id":null,"04_social_proof.testimonial3_image.Id":null,"04_social_proof.google_places_review_image.Id":null,"04_social_proof.social_proof_background_image.Id":null,"heading_social_proof.Content":"","google_places_id2.Value":"","google_places_id.Value":"","testimonial1_customer.Content":"","testimonial1_text.Content":"","testimonial2_customer.Content":"","testimonial3_text.Content":"","testimonial2_text.Content":"","custom_reviews_enabled.Value":"","anwalt_de_widgetcode.Value":"","anwalt_de_enabled.Value":"","google_places_enabled.Value":"","google_places_reviews_enabled2.Value":"","google_places_reviews_enabled.Value":"","google_places_review_url2.Value":"","subheading_social_proof.Content":"","google_places_review_url.Value":"","social_proof_enabled.Value":"true","social_proof_disclaimer.Content":"","benefit_1_text.Content":"","05a_benefit_area.benefit_3_image.Id":null,"05a_benefit_area.benefit_2_image.Id":null,"05a_benefit_area.benefit_1_image.Id":null,"05a_benefit_area_enabled.Value":"true","benefit_heading_enabled.value":"false","benefit_heading.Content":"","benefit_3_text.Content":"","benefit_3_heading.Content":"","benefit_3_icon.Id":"","benefit_2_text.Content":"","benefit_2_heading.Content":"","benefit_2_icon.Id":"","benefit_1_icon.Id":"","benefit_1_heading.Content":"","benefit_1_widgetcode.Content":"","benefit_2_widgetcode.Content":"","benefit_3_widgetcode.Content":"","intro_heading.Content":"","intro_text.Content":"","intro_gallery_enabled.Value":"false","05a_content_intro_enabled.Value":"false","overview_heading.Content":"","overview_text.Content":"","overview_cta_lead_in.Content":"","overview_cta.Attribute":"","overview_cta.Value":"","05b_content_overview_enabled.Value":"true","detail_heading_opt2.Content":"Das sagt das Gesetz zur sogenannten Gesamtschuldnerschaft","05c_content_detail.image_product5.Id":null,"detail_text_opt2.Content":"
\n

Nehmen zwei Personen gemeinsam einen Kredit auf, gelten sie als Gesamtschuldner im Sinne von \u00a7 421 BGB<\/span>. Das bedeutet, dass die Bank von jedem einzelnen die vollst\u00e4ndige R\u00fcckzahlung verlangen kann \u2013 unabh\u00e4ngig davon, wer den wirtschaftlichen Vorteil aus dem Darlehen zieht.<\/p>\n

Im Innenverh\u00e4ltnis zwischen den Ehepartnern kann jedoch eine andere, gerechtere Verteilung gelten. Nach \u00a7 426 BGB<\/span> besteht grunds\u00e4tzlich ein Anspruch auf Ausgleich, je nachdem, wer die Belastung tats\u00e4chlich tragen soll.<\/p>\n<\/div>","detail_call_to_action_enabled.Value":"false","detail_slider_enabled.Value":"false","detail_heading.Content":"Ausgangssituation: Gemeinsamer Kredit, ungleicher Nutzen","detail_text.Content":"

\n

Viele Paare finanzieren w\u00e4hrend der Ehe gemeinsam eine Immobilie. Problematisch wird es, wenn das Eigentum nur einem Partner geh\u00f6rt, beide jedoch den Kreditvertrag unterschrieben haben. Sp\u00e4testens nach einer Trennung stellt sich dann die Frage: Wer muss eigentlich weiterzahlen?<\/p>\n<\/div>","detail_cta_lead_in.Content":"","detail_cta.Attribute":"","detail_cta.Value":"","detail_heading_opt1.Content":"Ein Beispiel aus der Praxis","detail_text_opt1.Content":"

\n

Stellen wir uns folgenden Fall vor: Ein Ehepaar finanziert w\u00e4hrend der Ehe gemeinsam ein Haus. Der Ehemann erzielt ein gutes Einkommen, w\u00e4hrend sich die Ehefrau \u00fcberwiegend um Haushalt und Organisation k\u00fcmmert \u2013 und als Alleineigent\u00fcmerin im Grundbuch steht. Beide unterschreiben den Kreditvertrag und haften somit gemeinsam. Die monatlichen Raten zahlt jedoch ausschlie\u00dflich der Ehemann \u2013 auch nach der Trennung.<\/p>\n

Irgendwann stellt sich f\u00fcr ihn die Frage: Warum soll er weiterhin zahlen, obwohl ihm die Immobilie gar nicht geh\u00f6rt? Kann er sich aus der Haftung l\u00f6sen oder sogar bereits gezahlte Betr\u00e4ge zur\u00fcckverlangen?<\/p>\n<\/div>","detail_cta_lead_in_opt1.Content":"NO_SHOW","detail_cta_opt1.Attribute":"NO_SHOW","detail_cta_opt1.Value":"NO_SHOW","05c_content_detail.image_person_slider3.Id":null,"05c_content_detail_enabled.Value":"true","detail_cta_lead_in_opt2.Content":"NO_SHOW","detail_cta_opt2.Attribute":"NO_SHOW","detail_cta_opt2.Value":"NO_SHOW","detail_heading_opt3.Content":"W\u00e4hrend der Ehe: Keine R\u00fcckzahlung untereinander","detail_text_opt3.Content":"

Solange die Ehe besteht, greift der Grundsatz der ehelichen Solidarit\u00e4t.<\/p>\n

Das bedeutet: Auch wenn ein Partner die Kreditraten allein \u00fcbernimmt, kann er in der Regel keinen Ausgleich verlangen. Die gemeinsame Lebensf\u00fchrung \u00fcberlagert die eigentlich vorgesehene h\u00e4lftige Haftung.<\/p>\n

Die Rechtsprechung stellt klar, dass Zahlungen innerhalb einer funktionierenden Ehe nicht nachtr\u00e4glich ausgeglichen werden k\u00f6nnen.<\/p>","detail_cta_lead_in_opt3.Content":"NO_SHOW","05c_content_detail.image_product1.Id":null,"detail_cta_opt3.Attribute":"NO_SHOW","05c_content_detail.image_product2.Id":null,"detail_cta_opt3.Value":"NO_SHOW","05c_content_detail.image_product3.Id":null,"detail_heading_opt4.Content":"Nach der Trennung sieht das anders aus","05c_content_detail.image_product4.Id":null,"detail_cta_opt6.Attribute":"NO_SHOW","detail_cta_lead_in_opt4.Content":"NO_SHOW","detail_cta_opt4.Attribute":"NO_SHOW","05c_content_detail.image_product6.Id":null,"05c_content_detail.image_product7.Id":null,"detail_cta_opt4.Value":"NO_SHOW","05c_content_detail.image_product8.Id":null,"05c_content_detail.image_product9.Id":null,"detail_heading_opt5.Content":"Wie wird der Ausgleich berechnet?","detail_text_opt5.Content":"

\n

Die H\u00f6he des Ausgleichs richtet sich grunds\u00e4tzlich danach, wem der finanzierte Gegenstand geh\u00f6rt.<\/p>\n

Ist nur ein Partner Eigent\u00fcmer der Immobilie, kann der andere unter Umst\u00e4nden die von ihm getragenen Kosten vollst\u00e4ndig ersetzt verlangen.<\/p>\n<\/div>","detail_cta_lead_in_opt5.Content":"NO_SHOW","detail_cta_opt5.Attribute":"NO_SHOW","detail_cta_opt5.Value":"NO_SHOW","detail_heading_opt6.Content":"Was sollten Verbraucher tun?","detail_text_opt6.Content":"

\n
    \n
  • Kreditvertr\u00e4ge sorgf\u00e4ltig pr\u00fcfen: Wer unterschreibt, haftet auch langfristig<\/li>\n
  • Eigentumsverh\u00e4ltnisse klar regeln: Geh\u00f6rt die Immobilie beiden oder nur einem?<\/li>\n
  • Nach einer Trennung fr\u00fchzeitig rechtlichen Rat einholen, um Anspr\u00fcche auf Ausgleich oder Freistellung zu kl\u00e4ren<\/li>\n<\/ul>\n<\/div>","detail_cta_opt6.Value":"NO_SHOW","detail_text_opt4.Content":"
    \n

    Mit der Trennung \u00e4ndert sich die rechtliche Bewertung grundlegend.<\/p>\n

    Zahlt ein Ehepartner weiterhin allein, obwohl die Immobilie ausschlie\u00dflich dem anderen geh\u00f6rt, entstehen regelm\u00e4\u00dfig Ausgleichs- oder Freistellungsanspr\u00fcche.<\/p>\n

    Im geschilderten Beispiel bedeutet das:
    Der Ehemann kann<\/p>\n

      \n
    • ab dem Zeitpunkt der Trennung die Erstattung der gezahlten Raten verlangen<\/li>\n
    • f\u00fcr die Zukunft verlangen, von der weiteren Haftung befreit zu werden (etwa durch \u00dcbernahme des Kredits oder Umschuldung durch die Ehefrau)<\/li>\n<\/ul>\n

      F\u00fcr die Zeit vor der Trennung bleibt es jedoch dabei, dass kein R\u00fcckforderungsanspruch besteht.<\/p>\n<\/div>","05c_content_detail.image_staff_1.Id":null,"05c_content_detail.image_staff_2.Id":null,"05c_content_detail.image_staff_3.Id":null,"05c_content_detail.image_staff_4.Id":null,"05c_content_detail.image_staff_5.Id":null,"05c_content_detail.image_staff_6.Id":null,"05c_content_detail.image_person_slider1.Id":null,"05c_content_detail.image_office.Id":null,"detail_cta_lead_in_opt6.Content":"NO_SHOW","05c_content_detail.image_person_slider4.Id":null,"05c_content_detail.image_person.Id":null,"05c_content_detail.image_person_slider2.Id":null,"competence_heading.Content":"","competence_text.Content":"","competence_cta_lead_in.Content":"","competence_cta.Attribute":"","competence_cta.Value":"","05d_content_competence_enabled.Value":"true","05d_content_competence.competence_image1.Id":null,"05d_content_competence.competence_image2.Id":null,"services_heading.Content":"","services_text.Content":"","services_cta_lead_in.Content":"","services_cta.Attribute":"","services_cta.Value":"","05e_content_services_enabled.Value":"true","faq_heading.Content":"","question2.Content":"","question3.Content":"","question4.Content":"","question5.Content":"","question6.Content":"","question7.Content":"","question8.Content":"","question9.Content":"","question10.Content":"","question1.Content":"","answer10.Content":"","answer3.Content":"","answer4.Content":"","answer5.Content":"","answer6.Content":"","answer7.Content":"","answer8.Content":"","answer9.Content":"","answer1.Content":"","answer2.Content":"","05f_questions_and_answers_enabled.Value":"false","seoarea1heading.Content":"","seoarea1text.Content":"","seoarea2heading.Content":"","seoarea2text.Content":"","seoarea3heading.Content":"","seoarea3text.Content":"","seoarea4heading.Content":"","seoarea4text.Content":"","05g_seoarea_enabled.Value":"true","06_gallery_related1.gallery_related.TypeEntityName":"rechtsgebiete","06_gallery_related1.gallery_related.SubHeading":"","06_gallery_related1.gallery_related.Heading":"Rechtsgebiet","06_gallery_related1.background_image.Id":368,"06_gallery_related1.gallery_related.ButtonCtaText":"Kontakt","06_gallery_related1.gallery_related.ButtonCtaUrl":"\/kanzlei\/kontakt","gallery_related1_filterable_tabs_enabled.Value":"false","06_gallery_related1_enabled.Value":"true","06_gallery_related2.gallery_related.TypeEntityName":"","06_gallery_related2.gallery_related.SubHeading":"","06_gallery_related2.gallery_related.Heading":"","06_gallery_related2.background_image.Id":368,"06_gallery_related2.gallery_related.ButtonCtaText":"","06_gallery_related2.gallery_related.ButtonCtaUrl":"","06_gallery_related2_enabled.Value":"false","06_gallery_related3.gallery_related.TypeEntityName":"","06_gallery_related3.gallery_related.SubHeading":"","06_gallery_related3.background_image.Id":368,"06_gallery_related3.gallery_related.ButtonCtaText":"","06_gallery_related3.gallery_related.ButtonCtaUrl":"","06_gallery_related3.gallery_related.Heading":"","06_gallery_related3_enabled.Value":"false","06_gallery_related4.gallery_related.EnityId":"","06_gallery_related4.gallery_related.SubHeading":"","06_gallery_related4.gallery_related.Heading":"","06_gallery_related4.background_image.Id":null,"06_gallery_related4.gallery_related.ButtonCtaText":"","06_gallery_related4.gallery_related.ButtonCtaUrl":"","06_gallery_related4_enabled.Value":"","06_gallery_related5.gallery_related.EnityId":"","06_gallery_related5.gallery_related.SubHeading":"","06_gallery_related5.gallery_related.Heading":"","06_gallery_related5.background_image.Id":null,"06_gallery_related5.gallery_related.ButtonCtaText":"","06_gallery_related5.gallery_related.ButtonCtaUrl":"","06_gallery_related5_enabled.Value":"","instagram_feed.Content":"","toc_heading.Content":"Inhalt","heading_call_to_action.Content":"

      Jetzt Anfrage stellen<\/div>","subheading_call_to_action.Content":"
      Wir beraten Sie gerne umfassend und pers\u00f6nlich bei Ihrem Anliegen.<\/div>","cta_call_to_action.Attribute":"Kontakt","cta_call_to_action.Value":"\/kontakt","call_to_action_video_enabled.Value":"","video_call_to_action_youtube_url.Value":"","video_call_to_action_youtube_url2.Value":"","06a_home_call_to_action.image_call_to_action.Id":2764,"06a_home_call_to_action_enabled.Value":"true","benefit1_call_to_action.Content":"true","benefit2_call_to_action.Content":"true","benefit3_call_to_action.Content":"true","benefit4_call_to_action.Content":"true","footer_contact_address.Content":"
      Wilhelm-Leuschner-Str. 2
      67547 Worms<\/div>","footer_e-mail.Value":"mailto:hoffmann@anwalt-experten.de","footer_calendly_url.Value":"","footer_contact_form_from_email.Attribute":"OMmatic","linkedin.Value":"","linkedin_enabled.Value":"","instagram_enabled.Value":"","whatsapp_enabled.Value":"true","whatsapp_number.Value":"https:\/\/wa.me\/+4915206796556","06_gallery_footer1.gallery_related.TypeEntityName":"rechtsgebiete","06_gallery_footer1.gallery_related.Heading":"Rechtsgebiete","06_gallery_footer2.gallery_related.TypeEntityName":"dienstleistungen","footer_subheading_contact_form.Content":"Ihre Rechtsanw\u00e4ltin Julia Hoffmann.","instagram_url.Value":"","footer_e-mail.Attribute":"hoffmann@anwalt-experten.de","footer_telephone.Attribute":"+49 6241 206844","footer_telephone.Value":"tel:+496241206844","footer_opening_hours.Content":"Mo., Di., Do.: 9:00 - 12:00 & 14:00 - 17:00 Uhr
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