Financing strategy - increase income by payment of 3?

If there is something to inherit, a one-time payment would make sense,

Not least because otherwise the installments would all fall within the ten-year period that should lie between two gifts / inheritances due to the exemption amounts.

I do not understand the argument with the residual debt insurance, I also believe that no reputable lender accepts a borrower who brings home less than 4099 net.

But what else comes to mind:

Don't banks have a problem with houses with [Wohnrecht]? If the bank ever wants to liquidate it, this house gets a depreciation in value due to the [Wohnrecht], in other words: it is very difficult to sell, so rather far below market price. No bank would agree to that, right?

Allowances

If inheritance tax is an issue, hardly anyone would ask about financing strategies here, would they?

I meant this remark more in principle, applicable to similar cases. Regarding the specific numbers, I agree with the view that the intended construct will not be sufficient to persuade a financier to say "yes."

Don't banks have a problem with houses with a right of residence? If the bank wants to liquidate the property, this house depreciates in value because of the right of residence, meaning: it is very difficult to sell, so rather well below price. No bank would agree to that, right?

As far as I know, the bank can register itself as the first beneficiary and thus override the parents' right of residence. But I don't know how it proceeds if the bank wants to sell the house; basically, the parents would then have to waive the right of residence. Only whether that is feasible is uncertain, it would only happen in the worst case but still... If they receive a right of residence, it can also be stipulated that they provide compensation of x euros for it. That might perhaps also be counted as income. Investing half of the monthly available money into the loan is quite intense with a salary of €2000 available. It would be different if one deducts half from €5000 or more, but like this... I would rather recommend easing up a bit and maintaining some liquidity. If the parents absolutely have to be involved, which is certainly possible, one might possibly be satisfied with one large apartment that is split into two. But of course, you first have to find a property that offers these possibilities. With a 120 m² ground-floor apartment, that might work with a separate entrance. Naturally, it is still a question of whether family circumstances (e.g., children) allow that. Otherwise, you quickly end up back with the house if fewer square meters aren't enough.

If they receive the right of residence, it can also be stipulated that they provide a consideration of x euros in return. This could then perhaps also be considered as income.

Or as a lump sum payment as equity. That is why I asked what the right of residence is granted in exchange for.