Defensive offer, or have house prices become so expensive?

Wow, it's incredible how simple-minded and stubborn a person can be .
This is not an insult, it's an observation. Dozens of people take the time to correct an obviously completely confused viewpoint, and the same completely wrong whining comes back again and again as a response.
I wonder how anyone manages like that in real life.

After 35 years of a civil partnership, one could also ask why they didn’t just get married.
I do think that if you want to favor a civil partnership at all, there should be more to it than just, yes, we’re together. There are not only benefits but also new obligations that arise from it.
That doesn’t mean I find all the rules good, but I would want to treat the disco acquaintance from last night and the mutual promise to be there for each other for life differently.

In the case of receiving ALG II, one is considered a civil partner like a married couple. But only in terms of obligations. Benefits like joint taxation, etc., are not available. A very strange concept.

After 35 years of civil partnership, one could also ask why they just didn’t get married.
I do think that if you want to favor a civil partnership at all, there should be more to it than just, yes, we’re together. There are not only benefits but also new obligations that arise from it.
That doesn’t mean I think all the rules are good, but I would want to treat the disco acquaintance from last night and the mutual promise to be there for each other for life differently.

That’s why I strongly advise everyone, whether here or among acquaintances and friends, to definitely get married if they want to buy or build a house together. It can really end quite, quite badly, which of course no one wants. But this worry should be one of the last you have when your partner dies.

You have undoubtedly expressed in this #397 that you cannot keep the house. But that is simply untrue, because there are several options listed here.
..easily mortgaged

What’s wrong with you? I have already mentioned the option of mortgaging the property for what feels like 100 pages. But first of all, that has absolutely nothing to do with the core message: whoever didn’t have to pay taxes earlier now has to pay them (and significantly so), without their situation having changed (unless they want to sell).
And secondly, let’s take a look at mortgaging: (I’m not a financial expert, so please feel free to correct me, this is really just a very rough estimate)

Tax liability 133K

House rent 1500/month
Taxes on rental income (estimated at 20%) = 300/month
Maintenance 300/month
leaves 900/month
I put the entire 900 into repaying the loan at, say, 3%.
-> Loan calculator says I’ll pay over 15 years until the debt is settled.

In 15 years my great-grandchildren will be 21. That means 4 years of studies will have passed without them being able to use the house for free - all theoretical, of course. Apart from that - I’m not getting any younger. In 15 years I could be dead. Then my niece inherits. Then things start all over again, unless she evicts the tenants and moves in herself.

And before everyone starts complaining again, yes, we will also get advice from the tax advisor. I’m curious if there are still options there. Early transfer does not fit our lifestyle. What else is left?

Conclusion: the only attractive option is selling - but we don’t want that right now.

Well, you could also be dead tomorrow. So that’s probably not a valid starting point. And owning a property debt-free within 15 years that is then projected to be worth even more doesn’t sound too bad to me.

Besides, your situation has changed. Before assets = 0 After assets 1,700,000 - 133,000€ Sounds like a relatively good return somehow.

Taxes have neither increased hidden nor openly. Anyone who received an inheritance of over 1.7 million 15 years ago paid exactly what you would pay now.

By the way, it is really inappropriate to casually imply that the state would welcome the tax gain from increased deaths during the pandemic.

Distorted picture you have of an immense increase in assets.

Furthermore, the reserves you set at 300 euros are not necessarily lost.

You simply leave out the rent increase. The tax debts can be offset against the income, etc.

And wasn’t there something about a huge piece of land that is being built with 3 houses?