Financing - Proposals for complicated situation

: Great, thanks for the quick response! So the usufruct is basically irrelevant for the bank. However, the second part of the question was intended a bit differently than you answered it now: Sure, to dissolve the usufruct for the sale, the notary appointment is necessary, but to include the apartment as collateral for a variable loan with the bank, it isn’t, right? Or would the relatively late notary appointment not be so bad if only the signature relating to that had to be done there, but not the preliminary discussions about further steps? We just need a practically doable way towards the real estate agent/seller as soon as possible, so that it can then be taken in two weeks, which is certainly not a problem; it would only be bad to wait until then and then first have to consider how to proceed.