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Gifting & family · Private agreements

Agreements between cohabitants

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← All private agreements

You live together. What agreements exist about money and contributions?

Clarifying practical wealth arrangements, with attention to the required legal form.

"Safe relationships also allow negotiation without turning every request into a battle for boundaries."
Paul Wellens

Your questions, step by step

Building a life together starts with trust. Clear agreements help to protect each other even when your situation changes.

Why do I go to the notaire for this?

Cohabitation does not automatically determine who is the owner, who receives an extra payment back or who inherits later. The civil-law notary helps to keep those arrangements clear.

An agreement between legal cohabitants is notarised.

How do we protect each other when we cohabit?
  1. Discuss whether you are de facto or legally cohabiting and who owns which goods.

  2. Record contributions to the home, loan and household expenses.

  3. Discuss separately what is needed in case of a separation or death, such as a testament.

How does this proceed and how long does it take?

If you want to enter into legal cohabitation, you must make a declaration at the municipality. The agreement and any will are separate steps.

Arrange agreements about a purchase or additional contributions before payment.

Which documents should I provide to the notaire?

Prepare what you already have. You do not need to wait until your folder is complete to make an appointment.

Is a document missing or do you not know where to find it? Check the help for each document. We will discuss what the office can obtain for you and what you still need to provide yourself.

Where can I find this?

Provide the complete version with date, attachments and later amendments. Do you not have this document or do you not know if it exists? Select “Help needed” and discuss it with the office.

Where can I find this?

Search in your deed folder, Izimi or Mijn akten. Cannot find the deed? Provide the address, estimated date and possibly the previous notarial office; we will see how to request a copy.

Where can I find this?

Provide the complete version with date, attachments and later amendments. Do you not have this document or do you not know if it exists? Select “Help needed” and discuss it with the office.

Where can I find this?

Request the document from your bank or download it from your own online banking environment. State the date and file reference. Provide statements, never passwords or access codes.

Where can I find this?

Provide the full text and any amendments. Look in your deed folder or Mijn akten. Not everything is digitally available; if necessary, indicate which office drafted the deed.

These check marks only remain on the opened page and are not sent to the office.

Open the checklist: ready, need help or not applicable
What does the notaire do and investigate?
  • Do you live together factually or legally?
  • Who owns the property and which payments are demonstrable?
  • Which agreements are valid and enforceable?
  • Besides the contract, is a will or other protection necessary?

We agree on which searches the office will conduct and which information you, your bank or another expert will provide.

What should I pay attention to before I sign?

Check ownership shares, repayment of own funds, monthly contributions and the arrangement when one partner leaves. A cohabitation contract does not replace a will.

Is a passage still unclear? Feel free to ask for an explanation with an example from your own situation. Only sign when you understand what you are agreeing to.

What else must I arrange afterwards?

Keep proof of payments and adjust agreements upon a purchase, birth, marriage or breakup. Check together who receives the payout of your insurances.

Which practical tips can help me?

A transfer for renovations does not automatically make you a co-owner. Establish in advance what that payment entails.

What do these words mean?
Factual cohabitation
Living together without a declaration of legal cohabitation.
Legal cohabitation
Living together after a declaration at the municipality, with legal rights and duties.
Own contributions
Money or goods that one partner brings in separately.
Where can I find more explanation or help?

You do not have to phrase your question in legal terms. Tell what concerns you, what you want to arrange and if an important date is approaching.

We will look together at the next step. We agree in advance on how the office will assist you and what costs are involved.

Ask your question to the officeMake an Appointment

General explanation for your preparation. The rules and documents that apply to you are determined based on your file.

On this page

What does this regulate?

01 · UNDERSTAND

Cohabitants may need clear agreements about contributions to costs, ownership of goods and the settlement when they split up. We start from your actual form of cohabitation and from what is already on paper.

For certain agreements, a private document may be suitable. For an agreement for legal cohabitation and for actions for which the law prescribes an authentic form, a notarial deed is necessary. We therefore first determine the correct form.

A RECOGNISABLE SITUATION

You contribute towards your partner's loan repayments. We examine whether you thereby merely contribute to housing costs or whether a repayment arrangement is intended.

What requires attention?

02 · CHOOSE CONSCIOUSLY

An arrangement about costs does not automatically make someone a co-owner and does not in itself create inheritance rights. Ownership, repayment and protection upon death must be arranged separately.

Also explain what was agreed earlier and where doubts remain. A regulation can only be appropriately developed if facts and wishes are clear.

More points to consider for your own situation

Talking together in the kitchen

03 · YOUR INTENTION

You do not need to be able to answer all this in advance. Your doubts are also a good starting point.

Click on a question for an initial explanation or practical tip. You do not need to have an answer to everything yet.

  1. Do you live together factually or legally?

    Note whether you have filed a declaration of legal cohabitation at the municipality. Merely living together at one address does not yet give us clarity on this.

  2. Who owns the home and who pays which costs?

    Place the purchase deed, loan and monthly contributions side by side. Make visible who the owner is and who makes which payments.

  3. Does a contribution go towards daily expenses or asset accumulation?

    Separate groceries and energy from repayments, renovations and other investments. Keep proof of payment and note what you have agreed upon internally regarding those contributions.

  4. What do you wish to settle in the event of a breakup?

    Make a list of own contributions, joint purchases and loans. Write down how you would like to settle these upon a breakup and how the value can then be determined.

  5. Do you also want protection in case of death?

    Specify what the partner would need: to continue living there, money for daily costs or ownership. Have this reviewed together with your possible will and other agreements.

What do we need, and why?

04 · PREPARATION

Bring what you already have. We will agree on any additional documents the office needs to request. The final list depends on your file.

Identity and contact details

To correctly identify the persons involved and their capacity. Provide identity documents via the channel we agree with you.

Deeds of ownership and any declaration of legal cohabitation

To determine the existing legal situation.

Overview of contributions and payments

To distinguish consumption costs and possible claims.

Existing agreements, loans or wills

To create new provisions coherently.

Is something missing? Mention it in your application. An initial meeting does not have to wait until you have gathered everything yourself.

What does NotaLegal do for you?

05 · GUIDANCE

We clarify mutual expectations and assess whether a private agreement suffices. If a notarial deed or additional arrangement is necessary, we discuss this before the assignment is finalised.

You will receive a draft for discussion. We review your questions and agree the final version before signing. Afterwards, we explain which preservation, registration or further execution applies to your document.

Know in advance what to expect.

06 · FEES

You want to know in advance what to expect. That is why we clearly and transparently discuss what work your file requires and what fee applies. We take into account the nature and complexity of your question, the documents to be examined and the time a careful handling requires.

We determine in advance which documents are necessary and explain any additional document costs. If a notarial deed is required, we first discuss the adjusted assignment and costs. When the law requires a notarial deed, a private agreement does not suffice.

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Substantive background: notaris.be · Cohabitation Agreements

General explanation for preparing your meeting. Foreign ties, previous documents and your concrete situation may change the outcome. Sources and legal explanation.

Frequently Asked Questions

FROM READING TO PREPARATION

Already a first answer.

Do I need to know already which deed I need?

No. Start from what you want to arrange. An existing deed, a draft or your own description helps us ask the right questions. The explanation on this page gives you a first idea of the possibilities; the concrete elaboration follows from your situation.

What can I prepare now?

Gather the documents mentioned on this page for preparation. Also note what you want to keep, who is involved and which date is relevant. If you do not yet have everything, mention what is missing at your appointment.

Can I first have a draft discussed?

You can submit your question about a draft before proceeding. Indicate if there is a response deadline and provide the complete version, including attachments. We will coordinate with you on the control and guidance you require.

EASY PREPARATION

Your checklist: cohabitation agreements

Which documents do you prepare, where do you find them and when can the office assist? Indicate what you have and where you need support.

Useful websites on this topic

FROM FIRST QUESTION TO NEXT STEP

You do not have to figure it out alone.

  1. Your intention

    We discuss what you wish to arrange and who will bear the consequences.

  2. From documents to agreements

    We examine the necessary information and explain the proposed text.

  3. Signing and follow-up

    You decide after explanation. We discuss the completion and where you can find your documents.

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