2-family house: Border construction adjacent to neighbor's house about 70% more expensive!

Plot and house to the parents. And the apartment upstairs to us?

If you want to take out the loan, you should be listed in the land register, otherwise the bank can only use land & house as security if the parents-in-law agree. And again, without being listed in the land register, nothing belongs to you. However, a land register can be divided.

I really need to read more in this forum

yes. At least that

Ok thanks first of all to everyone who really helped me a lot here!

I will now take a good look at all this and get informed.

Regards

So the property will belong to them and their part of the house as well. It is said that it will be transferred to us at some point.

And does the bank do that with you? I can't imagine that. Have you already discussed this with the bank???

The bank wants to be in the land register. And the person who shoulders the loan should also be the one who is listed in the land register. Otherwise, there will only be problems; or rather, there can be.

A land register can be divided.

In that case, I wouldn't divide anything; as property rights override house division.

At most, make a contractual agreement that the parents-in-law live there as tenants.

And let's say something happens to your wife while her parents are still alive: even if no one in the family starts inheritance disputes, you will not inherit the property. Or at least not without inheritance tax if the SE were to include you in the will. Too much subjunctive for me, especially because with someone suggesting such constructs, I would assume they simply don't have a will. No, I would always only do such constructs cleanly through gifts, purchase agreements, and possibly registered residential rights.

Honestly, talk within the family about how your financial situation looks, that it will get smaller, and that the property already has to be transferred to you now. If the parents-in-law don’t want to believe that legally none of this whole thing belongs to you, then by all means invest a few more euros to have everything (including the consequences in the event of inheritance without a will/ premature death of the daughter, etc.) explained by a notary or lawyer. If the parents-in-law still don’t cooperate, please, please make sure you get out of the house contract and cancel everything. At least now you’ll still come out of it with minor damage.