Financing - which construction financing is sensible?

I can't change it, that's how it is. We're just glad to have even gotten a reason to build at all. There is practically no building land here and if there is, it's almost unaffordable. We have to swallow that bitter pill now and try to make the best of it. Thank God we are very united within the family and no one wants to take advantage of the other. Therefore, I am confident that we will find a solution that everyone can live with.

What is crucial for us is that no one from "outside" can trip us up. So the guardianship and probate courts of this world.

The two brothers-in-law are close friends. We will certainly find a solution within the family, but we also want to secure ourselves well externally.

My comment is not directed against you. You didn't decide it that way, but unfortunately accepted it.

If I were in your husband's situation, I wouldn't want to build like that. Either get paid out by brother/parents or not build at all. Why should I be the donkey who pays off someone else's house and farm? That also has nothing to do with "no equity." Apparently your husband/boyfriend is okay with it. Lucky you :-p

You probably know the saying: "Money ends friendship." What seems fine and settled now can end badly in the foreseeable future.

I can't change it, that's how it is. We are glad to have even gotten a plot to build on. There is practically no building land here, and if there is, it's almost unaffordable. We have to swallow that bitter pill now and try to make the best of it. Thank God we are very united within the family and no one wants to take advantage of the others. Therefore, I am confident that we will find a solution that everyone can live with.

What is crucial for us is that no one from "outside" can trap us. So the guardianship and probate courts of this world.

The two brothers-in-law are close friends. Within the family, we will surely find a solution, but we also want to secure ourselves well externally.

Unfortunately, this screams trouble. Very tricky/complicated situation. Why wasn't the property including the house simply bequeathed to both children in equal shares?

Then you could sell the whole thing, split the proceeds, done. Or one could buy the entire property at a fair price estimated by an independent appraiser.

Either way... I would sell the house + land and split the proceeds....

In such constellations, unfortunately, one always ends up on the losing side or feels disadvantaged, even if it's only about one single garden gnome less...

It was never up for debate that one should pay out the other. And since I myself have remained childless, it fits quite well that everything is supposed to later belong to my brother’s children. We (my boyfriend and I) are very much in agreement with that.

My brother doesn’t even ask for anything for us to also use the strip he bought alone (160 sqm). The deal is simply that his children inherit it, including our house then. My boyfriend (and soon-to-be husband) has no siblings and only a few very distant relatives from the Berlin area or the Vogtland. We have no children (and considering my age, none are expected anymore) and for us, this is a great solution.

Maybe my parents’ house (where my mother still lives now, and hopefully she will continue to do so for a long time in good health) will be demolished in the distant future (the renovation will probably be too costly, as the basement is not well sealed), then we will probably be able to divide the entire plot into two quite equal pieces of land. Currently, this is not possible without having to register a bunch of easements and ending up with two very differently sized plots. But then the situation will be clearer again.

I think this is not a very simple construction, but firstly, it is what it is. And secondly, if you handle it consciously, it does not have to end badly. I think, climbee, you handle it very consciously. Karsten

Insanely confusing for an outsider, but if it works for you, then everything is fine.

You have to think differently when family constellations are different from "normal."
And I have to realize again that you become more liberal when you don't have your own children and don't have to secure the nesting for later, meaning for your own children, because they simply aren't there.
It's nice that you at least still have family with your brother (besides the parents, mother).
And I can also understand your mother's thoughts.

Did I read too superficially? What about your boyfriend/husband, if worst case you pass away?

Exactly this is one of the wcs we want to secure. My brother also wants his future brother-in-law to have legal certainty here.

Anyone can be a notary easily. We are the challenge!