House purchase: Sale before the expiry of 10 years - Right of first refusal

If the bank gets the house

The seller always remains the owner. The bank does not get the house. At most, coercive measures are initiated. A lot of time passes before it is actually sold/auctioned.
And until then, the seller can still sell freely as he sees fit – or rent it out and pay the installments, then nothing happens at all.

If the bank gets the house, it will sell for a much higher price .... just understand that ....

That's exactly what I think too, besides it's risky to speculate on it.. you never know what will come

Yeah, and if he goes insolvent, everyone wonders why he sold the house off cheap. You don't want to experience the aftermath either.
Especially since acquaintances are involved here, which probably go even deeper than admitted so far.

As already mentioned, insolvency has not occurred yet.. that would possibly be the consequence if he has to pay for several more months and has no further income from renting or similar.
However, that is not an option either, because his new partner does not want to live in that town, so they want to move away.

The acquaintance is actually not that close, it is a colleague of my brother.
No family or anything - just "good" friends..

The seller always remains the owner. The bank does not get the house. At most, foreclosure measures are initiated. A lot of time passes until it is actually sold/auctioned. And until then, the seller can still sell freely as he pleases – or rent it out and pay the installments, then nothing happens at all.

That's exactly how it looks, we do not want to speculate on that.

I just fear that the city will only decide after the purchase contract is presented - before that they cannot be sure how much money is actually generated and thus calculate the difference...

Yes, that is a bit confusing for me too, because the bank does not yet have a contract on which to base the decision. As far as I know, the municipality must issue a negative certificate within 2 months after the notary has certified. Then they also have the purchase contract on hand.

I hope this preliminary decision of the municipality is binding..

....and how does one know that the price notarized by the notary is actually the one that is paid in reality?

so much babble, sorry. The exercise of the right of first refusal was nowhere mentioned by the original poster.

Now let's get to the point: if the municipality wanted the money, how much would that be? And would you still buy the house or the seller still want to sell? If yes, consider how you want to

a) handle it with money for the municipality
b) handle it without money for the municipality

and have that included as an option in the contract.

If no, then have the notary contract drawn up on the condition that the municipality wants nothing.

Whether they want something can only be told to you by the municipal council, but certainly nobody here in the forum.