Hire purchase, kinship, order and experience

That sounds good at first, but it’s associated with risk.

1. Suppose the father-in-law meets a new woman, gets talked into a (new?) marriage, later dies and the new woman inherits the house (partially) and demands her share to be paid out to her expensively... Jackpot for her, insolvency for you.

2. He will never build the house according to your wishes. Especially across generations this definitely won’t work. He means well, I just want to say, our parents also just wrinkled their noses at our floor plan... "everything so open, just think about the heating costs..." But what can they do, our house, our decision.

You’ll definitely have this discussion constantly: "white interior doors? way too delicate, better take the wood grain decor!" "floor-to-ceiling windows? anyone can look in," "spot lighting is totally impractical," "of course there has to be a handrail on both sides of the stairs,"... that’s how it will go continuously, you will have fallen out with each other before the house even stands.

3. The only solution would be: buy the plot (possibly divide it beforehand), e.g. for 1€, although the bank looks weird about financing because it doesn’t know how much it’s worth. but never mind. Or have a gift given to you for the house construction. But it must be clearly regulated from the start that it’s your house on your land.

Presumably it’s just about excluding the current son- or daughter-in-law from the inheritance again. Let’s be honest, the whole setup aims at YOU ending up empty-handed. Good luck!

Presumably, this is just about excluding the current son-in-law from the inheritance again. Let's be honest, the setup is designed so that YOU always end up empty-handed. Have fun!

You're not entirely wrong with that.
The property belongs to the father-in-law, so he is listed in the land register and that will remain the case since he is taking on the financing. Therefore, neither you nor your wife own anything. If she leaves you after 5, 10, or 20 years, you will have paid "rent" together to the father-in-law and thus built up the inheritance for your father-in-law and therefore your future ex-(wife). She inherits half in the event of death and you get nothing anyway.

Interesting case... mostly here in the forum we discuss the case of the wife who is not in the land register because the husband brings the equity or the property into the marriage.

But go ahead... those will be exciting conversations within the family.

Assuming the father-in-law meets a new woman, gets talked into a (new?) marriage, later dies and the new woman inherits the house (partially) and has her share paid out expensively by you... Jackpot for her, bankruptcy for you.

Presumably, this is once again just about excluding the current son- or daughter-in-law from the inheritance. Let's be honest, the construct aims for YOU to always end up empty-handed. Have fun!

???

Father-in-law is something different from stepfather...

??? what is not understandable?

Case 1: Death of father-in-law after new marriage with stupid wife: daughter and wife both inherit. If the new wife is stupid, she will want to sell her share of the house expensively or rent it out and then in turn pass it on to her own children.

Case 2: See answer from Zaba12 above you.

But you did notice that this is about a notarized hire-purchase agreement, not some dinner table arrangement? You’re acting as if hire-purchasers have no rights at all… Assuming the financial circumstances are such that the construct makes sense, what is the potential future evil stepmother-in-law supposed to do? The house is bequeathed to the children by will and there are no problems, because the other inheritance more than offsets her half of the unpaid remaining value so far. Or the children exercise their purchase option. Or possibly the contract can be designed so that ownership transfers upon the seller’s death without affecting inheritance law. Also, I don’t see how the child-in-law is supposed to be kept out here? Tobi didn’t write that the wife should make the contract alone? Some separation clause probably belongs in the purchase contract (hire-purchase contract? What are they even called in this case?), but that can be done.

Financing ?? Or the father-in-law has too much cash

If the father-in-law has to finance (significantly), the construct makes no sense. But it didn’t sound like that. In any case, at most the father-in-law has to go to the bank, not Tobi.

That means you have to be nice to the benefactor for a lifetime even if you might not feel like it.

Good point. It depends on whether you can separate that mentally. For that exact reason, I wouldn’t take out a higher loan from the family, but I wouldn’t have a problem renting from my parents. Or accepting bigger gifts. But everyone also knows that he has no claims to anything (except a heartfelt “thank you”) because of gifts received.

Assuming the father-in-law meets a new woman, gets talked into a (new?) marriage, later dies and the new woman inherits (part of) the house and has you pay her dearly for her share… Jackpot for her, bankruptcy for you.

??? Bankruptcy? Why? Even if part is still outstanding, can’t you just finance that normally with a bank? Especially since that case won’t happen tomorrow and quite a bit will already have been paid by then. The stepmother can’t charge you “dearly” for the house, the final purchase price is fixed from the start and can she even demand immediate purchase? Or doesn’t she rather take the place of the father-in-law as seller-landlord (together with the daughter and possible siblings)?

2. He will never build the house to your wishes. Especially across generations that simply won’t work. He means well, I’m just saying our parents wrinkled their noses at our floor plan too.. “everything so open, think of the heating costs…” But what can they do, our house, our decision.

He will never build the house to your wishes. Especially across generations that simply won’t work. He means well, I’m just saying our parents wrinkled their noses at our floor plan too.. “everything so open, think of the heating costs…” But what can they do, our house, our decision.

As I said, I would have those concerns with my father-in-law too, but not at all with my parents. That would work perfectly fine with them. The differences in taste and opinions are already not that big (in the substantial matters, I’m not talking about wallpaper design) and where they exist, my parents (and mother-in-law too) are perfectly capable of saying without much discussion “fine, you have to like it.” Or bringing a good argument, which thankfully they do, even though they have no rights. So the different generations don’t have to mean anything.

That’s what a forum is for: one person has concerns, another doesn’t. Everyone writes down their opinion, exchanges arguments, and enjoys the lived culture of debate. The questioner thus receives food for thought in various directions, draws their conclusions, and ideally provides feedback afterwards. Fantastic.