În cazul contractării unui credit pentru achiziţionarea unui imobil, dacă doar unul dintre concubini este trecut în acte ca proprietar, celălalt nu poate emite astfel de pretenţii (nu este considerat coproprietar). Cel mult poate invoca un drept de creanţă, constând în cuantumul ratelor la care a contribuit financiar.
Acest drept de creanţă trebuie însă dovedit şi în acest sens este esenţial dacă, alături de proprietar, şi cealaltă persoană a fost trecută ca şi coplătitor în contractul de credit.
În concluzie, concubinul care figurează în calitate de coplătitor în contractul de credit nu poate emite pretenţii în calitate de proprietar asupra imobilului, ci poate doar să invoce un drept de creanţă. Dar, şi pentru recuperarea contribuţiei financiare la plata creditului, şi pentru scoaterea sa din contract, dacă nu există acordul fostului concubin, este necesară intervenţia instanţei de judecată.
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