Our financing broker said that we would get financing if my parents’ bank no longer appears in the land register (outstanding loan amount); the only way would be if we basically take over the outstanding debt, and then my parents’ bank would drop out of the land register. Is there not another solution?
From my point of view,
that is not a solution at all, because it would be the same difference: practically, your financing would be increased by the amount needed to repay the outstanding debt; the equivalent value of the entire development compared to the total debts would not improve either; and the congruence of debtor and lessee would no longer exist. As I know people like these, the financing broker is only after one thing here: he wants to inflate his financing—and thus commission—volume. The losers are the parents, who suddenly get an unwelcome new business partner at the table.
How is that supposed to work with a community of heirs? First murder the parents so that there is an inheritance? Strange...
And not productive either: murderers would not be worthy of inheritance.
What might be meant here is probably more sensible—to form a joint lessee community with the parents—but with hereditary leasehold it is a complex matter (unless your husband is at the same time your adoptive brother and you both thus have the same rank of heirs with the parents).