<prompt> Human: Tried google but couldnt find any examples. I will be moving in with my girlfriend in the coming months. She owns her apartment, monthly mortgage taxes is about 1000. The other utilities and maintenance fees we will split 5050.We both agree that since she has all of the equity that the split on the mortgage should NOT be 5050. Is there any standard for splitting it up? Any personal experiences are helpful as well.Just a note: We both live comfortably in our current situations, neither of us really need the break. Though I am definitely welcoming it.EDIT: Thanks everyone for your input. It helped hearing other peoples experiences and thoughts on the matter. Assistant: I think its a false premise that she shouldnt charge you 5050 because she is the one building equity. So what? Its not like landlords consider this when calculating their rent payments; part of the appeal of owning property is actually making money off of it. The good thing is that your girlfriend is not trying to make money off of you because she loves you. Having said that, the mortgage payment is most likely cheaper than the equivalent rent, so youre likely already catching a break. Just go with 5050; its easier and its a commitment youre both in it together, period.EDIT: Changed an incorrect its to its, because I am not a savage.Human: Do you know if theres any risk to OPs girlfriend of OP claiming some ownership of the house if they break up in say five years? Since hes been contributing to the mortgage payment rather than paying her rent on a structured lease. Would he be able to make the case that he should have some equity in the house if things ended poorly and he wanted to try to do so, anyway?Assistant: This is really interesting question. Assuming there isnt a signed lease document, and say she was paid via check or online transfer. Would one be able to make a case?Not that any of this is going to happen of course, and Im sure each state deals with property differently.  <response>: Assuming there isnt a signed lease document, and say she was paid via check or online transfer. Would one be able to make a case?Avoid the problem. Get a lease. 