SumsumBiene
2021-08-10 12:54:18
- #1
hmm, I find it difficult when you cannot participate in further "appreciation" but do not get the full money today.
So the options:
you settle it today, value: 400,000 EUR
Assuming the parents stay living there for another 3 years. The rental value (simply calculated, as an example!) 600€ per month = 21,600€
thus I would set the value at 380,000 EUR, 190,000 EUR goes out to the brother.
The other option:
the parents move out in 3 years, in 3 years the house is transferred to you.
The value in 3 years (as an example) is 500,000 EUR.
So you pay 250,000 EUR to your brother.
Because if you give your brother 30,000 EUR now, you can of course deduct that from the 250,000 EUR in 3 years. But as long as he does not get 100% of his share immediately, I would see no reason why he should not also participate 100% in the appreciation. Anything else is unfair!
Of course, you can also take interest on the 30,000 EUR, 2-3%, or whatever you pay the bank for it, or whatever costs arise. That is also fair.
So 30,000 now I also find too little for a partial payout. But the brother also has great advantages now, as he can already make special repayments on his loan and save interest. That is not being accounted for either.
The OP could have a heart attack in two years and the brother then gets everything and the grandchildren have less or or or?
I personally would not feel cheated if I already received an amount X of today's value now.