Financing strategy - increase income by payment of 3?

Does anyone have an idea?

Parents and daughter build together. Joint ownership, joint loan.

Small tip: What is recorded in the land register and what is stated in the bank loan agreement are two different things. Your parents-in-law can theoretically be included in the loan agreement. Friends of ours have done that. Parents live in the house with a right of residence but otherwise have no rights to the property. However, they are also included in the loan agreement as borrowers. The bank was not interested in what ancillary costs were paid. However, both parents are still working.

Classic case of "I really want a house... but I can't afford it"

Regarding the question: As a preliminary heir, parents agree to pay the child a binding amount of xy per month. Please clarify with a notary, inheritance law/tax. But since there are high allowances in the internal relationship between parents and child. Karsten PS: Whether building is sensible, I do not want to decide.

We do not know the framework conditions, if the parents are close to retirement age then the chances diminish to almost 0. It is also unusual to include 3 borrowers. The big banks do not do it. More likely the [spaßkasse] ([Hausbank]).

It is equally unusual to include 3 borrowers.

Even for a two-family house? Or does this constellation only exist in the homeowners' association? Could one form a GBR? Probably even more unusual for the bank ;-). ... You can tell: everything is somehow complicated. The crux is IMHO the low income.

By way of the preliminary inheritance, parents commit to the child to pay xy per month.

If there is something to inherit, a one-time payment would be sensible so that the loan amount can be smaller (after all, that saves interest!).

Is there any wealth? Does the daughter have a spouse? Are the parents still employed?

In the end, only one thing helps again: go to the bank and ask there.