Hereditary leasehold land, land register - take over outstanding debt?

Hello, the following problem. We want to build on a leasehold property. My parents' house is also on it. The church does not want to divide the property. However, the leasehold contract can be extended prematurely. Our financing broker said that we would get financing if my parents' bank is no longer listed in the land register (outstanding debt), the only way would be if we basically take over the remaining debt and then my parents' bank would be removed from the land register. Is there not another solution? Community of heirs etc. without us having to take on the remaining debt? Maybe someone has experience or knows about this. Regards

The big problem will be that you do not get into the land register at all. The owners or entitled parties remain your parents. You then own exactly nothing. Buy the hereditary building right and rent it to the parents.

P.S. Taking over the parents' remaining debt and the house belonging to the parents is not really charming, in my opinion. You = debts / parents = hereditary building rights holders with two houses

The big problem is that you won't get into the land register at all. The owners or entitled parties remain your parents. You will then own exactly nothing. Buy the heritable building right and rent it to the parents. P.S. Taking over the parents' remaining debt and the house belonging to the parents is not really charming, in my opinion. You = debts / Parents = heritable building rights holders with two houses

Ok, is it really that easy to buy the heritable building right? Or do you mean buying the land from the municipality? That was rejected by the municipality. They only said one could form a community of heirs.

Or you will become new tenants

Or you will become new tenants

And what about my parents' house then?

And what about my parents' house then?

It is their property