Gift of family home, paying out siblings - when to go to the bank?

  • Erstellt am 2022-07-20 12:38:27

Anne1987

2022-09-22 22:01:54
  • #1
I am currently facing a similar "problem" My mother lives in a very large house. She is divorced, my father also lives in his own house. My brother lives with his girlfriend on the upper floor and would like to take over the house. (Gift)

The proposal now. My brother pays my mother a monthly amount until she dies and she has a lifelong right of residence. The value would be about, until she is 90 years old, 1/4 of today's house value. We are 3 children

My other brother and I would get nothing. Neither now nor later.. What do you think about that? Somehow I don't feel quite comfortable with the proposal :(
 

Anne1987

2022-09-22 22:04:53
  • #2
Thanks :) I briefly described my case here at the end! ;) And actually, nobody ever really wants to argue ... it is still a really sensitive topic
 

kbt09

2022-09-22 22:05:00
  • #3
Value of amount and right of residence = 1/4 of the current total value? Shabby of the brother and sad that you even have to ask this question. You shouldn’t base the house price on the maximum achievable value, but on a reasonable family price, then subtract the value of the right of residence and divide the remainder by 3. And then one of you has to pay out.
 

Anne1987

2022-09-22 22:10:00
  • #4

Yes

Unfortunately, I believe the two of them will go through with it without me...I don't think it's fair either. Above all, things like "I can't afford more" or "Do you want the state to get it after death?" inheritance tax come up.

My brother would now only have to pay €200 more than he currently pays in rent...and after a few years...after death, he would have the whole house for himself!
 

Anne1987

2022-09-22 22:14:47
  • #5

If my brother pays the monthly amount until, for example, my mother is 90 years old, that would be equivalent to 1/4 of the expected price from today’s sale. Of course, he doesn’t have to take a loan and doesn’t have to pay interest either! When you calculate inflation, the sum in 20 years is much less than it would be today...
That also counts...

He says he couldn’t manage a loan to pay out all three...
 

i_b_n_a_n

2022-09-22 22:24:17
  • #6
a) what does your other brother say about it? b) already spoken with your mother (how old is she, still completely healthy?)? c) How is your relationship with your mother otherwise? d) What do you imagine as a fair solution alternative to the payout? I'm also not sure how it is legally. presumably, if your mother is considered competent, nothing to do?
 

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