Do we have realistic chances with the bank?

Rental income is currently not a certainty because a) it does not yet exist and b) the financial situation is not such that rental defaults can be compensated.

So that would mean even less income for the OP than he expects ;) He cannot pay an installment from tax benefits.


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Parents' rental income is of course more secure than from tenants you have to find first. Tax benefits can be recorded on the "wage tax card," then you have more net income than before or you get them back with the tax return.

The parents' apartment is not economically viable. But what if the parents bring equity? The initial post mentioned something about 70k equity. Earned by themselves, or is part of it already from the parents? Can they contribute more themselves?

...Rent is often gross=net or even tax refund...

I agree, but what do I say to the tax office so that my rental income is not taxed at my usual income tax rate, please?

The parents' apartment is not economically viable.

50% of all condominiums are purchased as investment properties. Are all buyers acting irrationally? Only 30% of the large housing companies are state-owned and do not need to make a profit, but they also do not make a loss even though they do not realize the profit from the increase in value through sale. Numbers estimated by me

I'm in, but what do I tell the tax office so that I don't have to pay tax on my rental income at my usual income tax rate?

if you pay your income tax rate on the rent, then the apartment is inherited and paid off, if not, the rest will be explained to you by your tax advisor?

50% of all condominiums are purchased as capital investments. Are all buyers acting irrationally? Only 30% of the large housing companies are state-owned and do not need to make a profit, but they also do not incur losses even though they do not realize profits from the increase in value through sales. Figures estimated by me

They act irrationally if the purchase price is not in reasonable correlation to the rent. For 500€ cold rent, you might get about 30sqm of new construction. I advise that the planned basement apartment is supposed to be larger, making the planned rent a huge loss-making business that the builder absolutely cannot afford. The tax office will also become alert if no reasonable rent is paid.