KFW 300 despite ownership, because self-use is not possible?

[*]"One of the applicants, their spouse or life partner living in the future household, or their children already owns self-used, rented, usufructuary used, gratuitously transferred, or vacant residential property in Germany at the time of application"

Hello everyone, my wife and I are currently planning the construction of a property and are dependent on the KFW 300 for this. Now we are still at the very beginning of the construction project and have just stumbled upon the funding exclusions, which include the following:

[*]"One of the applicants, their spouse or life partner living in the future household, or their children already owns owner-occupied, rented, usufructuary, gratuitously assigned or vacant residential property in Germany at the time of application"

Now, the fact is that my wife was recently transferred 50% of her parents’ residential property as a gift. However, there is a notarized lifelong right of residence of the parents for this property, i.e. we definitely cannot use it ourselves. Now, of course, the question for us arises whether we can still use the KFW 300, since it explicitly states "owner-occupied, usufructuary used etc." Do you know more about this?

Now it is the case that my wife was recently transferred 50% of her parents' residential property as part of a gift. However, there is a notarized lifelong right of residence for the parents on this property, i.e. we definitely cannot use it ourselves. Now, of course, the question for us is whether we can still use the KFW 300, since it explicitly states "owner-occupied, used through usufruct, etc.".

Do you know more about this?

Maybe @jens.knoedel has more details?

Now it is the case that my wife was recently transferred 50% of her parents' residential property as a gift. However, there is a notarized lifelong right of residence of the parents for this property

You are out with the 300. Even if it were only 0.01%...