Financing single-family house with granny flat for parents

Tax savings through "losses" in rental about €150 per month

.. one should not count on that. The tax offices are not naive and then the rental quickly becomes a hobby.

.. that should not be taken into account. The tax offices are not naive either, and then the rental quickly becomes a hobby.

So, I know that you can rent to immediate relatives and then claim the amount below the local customary rent (60%?) for tax purposes. At least, that used to be the case.

... but whether you can permanently make a loss with it ;) ... you are not forced to achieve the optimal profit. But structuring loans so that the [Einliegerwohnung] is more burdened, then renting it out in a family-friendly way and then wanting to claim the loss ... I would say no.

You are not forced to achieve the optimal profit. But designing the loan in such a way that the granny flat is more burdened, then renting it out favorably for family members and then wanting to claim the loss... I would say no.

No, because immoral or no, because not possible?

With properly drafted contracts (both regarding construction costs and the loan agreement), this is easily possible.

So, I know that you can rent to next of kin and then claim the rate below the local rent (60%?) for tax purposes.

The limit currently is 50% (reference is the gross rent) and there MUST be an intention to make a profit. Both together is difficult, but it is legally sound regarding property.

No, because immoral or no, because it doesn’t work?

you answer it yourself with ;)

and there MUST be an intention to make a profit

How do I achieve a profit intention in a legally sound manner if I offer a new building at 50% of the local market rent and thus obviously incur a loss?