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When you sell your home, you won’t get back any of the money you gave to the bank as interest, but in theory everything else including your down payment will be returned to you.
and your partner would get nothing if she “bolted” even though she paid money so you could have it
I mean when you’re renting a place you’re more than likely helping the owner pay off their loan anyway. It’s just another step removed.
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
congrats you’re ready for the next step: a declarative package configuration like (non-)guix or nixos