Home financing: Buy cheaper from parents, maintain compensation

There is also a drama in our distant family, the value has decreased, both sides call each other fraudsters. It is not about distributing an increase in value, but about maintaining family peace.

but then we would pay interest on money that is simply not needed at the moment.

That’s true, the increase in value is of course a risk, which is why we wanted to have a gap between the purchase price we pay and the possible selling price on the market to cover that.

I honestly don’t understand why you’re making it so complicated for yourselves? Are the interest for the 80k (how much would that be) really so decisive? I wouldn’t prefer the idea of not paying interest as much as having peace of mind afterwards! Not that afterwards someone thinks they can voice their opinions on the house matters, just because their own money is still invested in it?

In the case of a constellation with a brother, I would buy and finance the house "cleanly." The option of a partial gift (low purchase price) and the brother receiving the same (e.g., transferred) does not exist. An alternative might be that he is assigned a larger inheritance share of the new parental apartment. This would be somewhat fair. Future value increases do not matter. You are buying the house now. If the value decreases because, for example, it is found that the ground is contaminated, the parents will not compensate for this either. Opportunities and risks should be fairly distributed.

That's exactly what it's about, that's why we're having these thoughts. Nobody should be disadvantaged. It's only about how we package it favorably for all parties.

With every bet on the future (value increase, depreciation, renovations, refurbishments, etc.) there will be a loser. The dispute is not worth it. Agree now on a final price, and absolutely no long-term contracts.

The house is located in the Rhein-Neckar district

Ah......my home......

Yes and no, the 80K is the remaining debt that is still on the house now

This "remaining debt" here says nothing about the actual value of the house. I might have had 3 million in debt once and now only 10k remaining debt or I might have had a house worth 200k with 120k remaining debt........you take this value with 80k, for whatever reason, as a reference point regarding this house because it just fits quite well.

They could sell it for 650K on the open market, we only know that if we actually put it up for sale. Before that, it's all estimates.

More or less....that’s why your previous prices were chosen so that they fit life but are not really market-oriented. Price increases etc. will then again be market-oriented.......ufff.....this path is a really tough one.....

Yes, there is another brother.

Now it gets even more difficult...... or rather "dangerous"..... plus he might rightly feel disadvantaged at some point.....

Yes, that was the first thought, but then we would pay interest on money that is currently simply not needed.

Well....today’s interest level is practically unbeatable, it just can’t get any lower.....and why is this money NOT needed? You should place family peace and clarity very high on your list. Some would take out 100k immediately today and pay it back if some things in the family would have turned out differently because of it.

Thank you very much for your opinions. You are helping me a lot. I had a vague feeling all along that it doesn't fit.
Your objections have made it clearer to me what bothers me.

We will set a price for ourselves that the house is worth to us. Either you sell it to us at this price or you try to sell it on the open market. If we get it for the price, we do not want any obligations in the future. Then it is clearly separated. We would rather pay more now "than we have to" but for that, there are no outstanding items that need to be considered in the future.