I think also important to know what your mortgage and house buying contract 
says. I assumed you signed it together with your partner.

Also, do you have any partnership agreement with your partner. How does it 
handle common property?


On Sunday, March 3, 2024 at 8:17:03 PM UTC+1 Chary Chary wrote:

> Hi,
>
> I would probably do this a bit differently. But let me clarify one thing: 
> what is the price of your house, which the previous owner got paid. Is this 
> 300,000.00 EUR or 400,000.00 EUR?
>
> Regards.
>
>
>
> On Sunday, March 3, 2024 at 12:03:08 PM UTC+1 Tino de Bruijn wrote:
>
>> I've been using Beancount for years to track both my business as well as 
>> a shared bank account with friends. However, now I'm trying to set up a way 
>> to track our mortgage, as well as how much each of us (my partner and me) 
>> "own" to the shared account, and I just can't figure out what setup or 
>> queries I should use.
>>
>> I now have a setup as follows:
>>
>> plugin "beancount.plugins.auto_accounts"
>>
>> 2023-04-24 * "Buy" "Mortage"
>>   Liabilities:Mortgage                    -300000.00 EUR
>>   Assets:House
>>
>> 2023-04-24 * "Buy" "Cash in"
>>   Income:Partner                          -100000.00 EUR
>>   Assets:House
>>
>> 2023-05-01 * "Bank" "Mortgage payment: 200,00; Interest: 400,00"
>>   Assets:Bank                                -600.00 EUR
>>   Liabilities:Mortgage:Me                    133.333 EUR
>>   Liabilities:Mortgage:Partner                66.667 EUR
>>   Expenses:Mortgage:Interest:Me              266.667 EUR
>>   Expenses:Mortgage:Interest:Partner         133.333 EUR
>>
>> ; HOW TO DO THIS?
>> ; 2023-05-01 * "Required payment"
>> ;   ????                                       -600.00 EUR
>> ;   ??????:Partner                              250.00 EUR
>> ;   ??????:Me                                   350.00 EUR
>>
>> 2023-05-10 * "Bank" "Monthly Me"
>>   Assets:Bank                                 300.00 EUR  ; Whoops, 50 
>> too low
>>   Income:Me
>>
>> 2023-05-11 * "Bank" "Monthly Partner"
>>   Assets:Bank                                 250.00 EUR
>>   Income:Partner
>>
>> I'm wondering how to set up that "Required payment"? We split (non-50/50) 
>> and I want to set that up per month (will build a plugin probably), as it 
>> is based on the difference in income. In this (contrived) example, I paid 
>> the wrong amount, and I would like to see somewhere that I'm €50 short.
>>
>> And finally, we also want to track how much each of us owns of the house. 
>> As you can see my partner had cash from a previous house, whereas I pay 
>> more per month, so this balance changes. (This was recommended to tackle it 
>> this way by the notary, in case we ever separate.) How could I get accounts 
>> set up (Assets:House:Partner/Me? or a query?) to track this?
>>
>> Thanks!
>>
>

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