Bank offer attractive or not?!

That's not the point. The lifelong right of residence could be seen as something that has value and can be utilized. You would then basically have to pay rent for the living space that belongs to your grandfather, since he is now in a nursing home and you can use the space for your own purposes.

In the case I know, the grandmother lived with lifelong right of residence at her daughter's place (she had already transferred the house to her daughter more than 10 years ago) and then went to the nursing home. The district social welfare office then determined a value for the right of residence (I assume based on rent indexes or similar) and wanted over 300 € monthly from the daughter. All this regardless of the daughter's income situation and whether she could be held liable for the nursing home costs. The daughter then took legal action with a lawyer. Unfortunately, the grandmother passed away before clarification and it was not pursued further. It was somehow settled by an agreement.

So it can still turn out badly, even if you think that early transfer gets you off the hook.

That's why I would get informed. It doesn't have to have been right what happened there, but if you have it watertight regulated beforehand, it saves you quite a bit.

It could actually be solved quite easily by recording in the land register: "(6 months) after moving out, the right of residence expires." That's how we did it. But actually for a different reason. So that after moving out or going to a nursing home the property can be sold without loss of value (existing right of residence).