Grandma's house | Right of residence | Rent by oneself

My advice: Don’t do it. The right of residence alone is already problematic – statistically speaking, your grandmother will live for a very long time. You’ll be well over 50 by the time she passes away (I wish her a long life). Tying up capital now in something that is uninhabitable for you really makes no sense! Then there’s the issue of leasehold: that won’t last much longer either when you’re over 50 – and a sale (the old contracts usually have significant gaps in the regulations upon the expiration of the leasehold) will then be very difficult to impossible. Either she sells you the house at a symbolic price – or stay away from it. You would regret it bitterly in the future – guaranteed.

I've never heard anything so stupid. How exactly is your grandma doing something good for you? You're paying her a lot of money now, getting into debt, and she stays living there. And then? What's your advantage? Either you buy the house from her and she moves into a small barrier-free apartment, or she stays in the house and leaves it to you later. What’s supposed to happen when you have a few children with your future wife? Are you going to buy another house then?

I see it as critically as the others. What advantage do you expect from it?

And what happens when the ground lease expires? I find this point very important. By the time the house becomes interesting for you yourself, the lease will soon have expired. I would urgently recommend informing yourself about this. Definitely before (!) you invest anything, whether soon or in 20 years. Your grandma should have the documents.

Your grandma is really clever,

then she has the right of residence registered in the land register and in case of emergency you can’t even give the house away anymore and you pay her a nice retirement.

Under the described circumstances:
1. If you want it, buy it and grandma moves out. She can then rent a great apartment with the income and has no more obligations (house = work)
2. Don’t do it if she doesn’t agree to point 1

Don’t fall for sentimental talk like "I won’t live long" etc.

If the retirement generation doesn’t have terminal illnesses, they easily live to 85 years old...

Then you’ve got debt until doomsday and if you have to renovate, it will be hard to get money from the bank with that financing volume and the loan-to-value ratio.

Also, a partnership is definitely no guarantee for lifelong staying together.

As a commercial manager, the contingent liabilities arising from the partnership shouldn’t be unknown to you :D