Buying a house without equity at a relatively young age

That is possible, but then the rent must be at least somewhat in line with the market. Therefore, it will only work for a few years. Eventually, I want to make a profit

66% will be accepted without problems, temporarily (2-4 years) even 50%. That should be the transferred amount. What the children give the parents for birthdays/Christmas, pay for vacations, or go shopping is another matter. How expensive I then sell the house to the children can be clarified with other heirs.

I understand the logic, but I can’t fully agree with calling an aging house risk-free. If things go wrong, you first have to find a solvent tenant (you don’t want just anyone) or pay for six-figure state-mandated renovations. Alternatively, you can sell, but if you bought at the wrong time, the house sits like lead on the sales platforms (as it is currently). One should not make the mistake of projecting recent past trends indefinitely. This often causes at least considerable emotional stress.

Only if he is the sole heir (no siblings, no divorce with a new younger partner at the parents' etc.) and usually only at an older age (50-60). And the woman gains nothing in the event of a divorce (unlike with repayment), but has to live with rent increases.

The parents can also transfer it to the child during their lifetime. If they then live another 10 years, it does not fall into the estate. They can also transfer it and continue to pay off the loan themselves. The bank then only needs to remain in the land register.

And you can also rent a house at a rent of 0. You just cannot claim expenses on your taxes. If you want that, you have to achieve at least 2/3 of the local customary rent.

However, you are right about the woman.

Is the OP still interested in the question at all?

I understand the logic, but I can’t quite share the view of calling an aging house risk-free. If things go wrong, you first have to find a solvent tenant (you don’t want just anyone) or pay six-figure government-enforced renovations.

It’s about renting to the children and the renovation obligation applies regardless of whether the parents or the children buy. Six-figure renovation obligation is silly pub talk. It never existed, doesn’t exist, and is not even under discussion. What is currently required is a new boiler and some insulation, which doesn’t cost much.

That is naive. Anyone who buys an older existing property today should be prepared that, in the medium term, an energy renovation and a switch to heat pumps will be necessary. Just because Habeck and Graichen failed with their last reform does not mean it won’t happen. If you play in the EU all over the place, there will be another attempt domestically... it’s like Whack-A-Mole...