Living in the father's apartment but still owning property?

Hi,

a quick question. We are considering buying a 4-family house. I would like to move into the large apartment with my boyfriend. The house costs €495,000.. the apartments are 120, 85, 42 and 26 sqm in size. Now there is the possibility that my father buys the three small ones and my boyfriend and I buy the large one.

But wouldn't it also be possible somehow that my father buys the entire house and we pay him something off, but it is still somehow our property?? We definitely want ownership and not to rent, so that the money we pay monthly goes into our own pockets or our future and not into the landlord's.

A friend of mine does it as follows... her father bought the apartment, she pays him €500 rent.. well.. but if she moves out in 10 years, she will have basically transferred €60,000 to her dad and herself has no money for ownership. Her argument: "Sooner or later it will belong to me anyway" I don't like.. because she certainly doesn't want to build a house only when her parents are no longer around :confused:
Does anyone have another idea?

Best regards

Community of property owners - every second block of houses consists of condominiums, one has only one, the next has 2 or 3 apartments. Each owner has only one vote ;)

Hm.. your father can buy the house and you pay him for the apartment, so to speak.. for tax purposes he can deduct the interest and all costs, but in return he also has to declare your income. Then he just has to gift you the apartment at some point (once you have, so to speak, paid it off). But it's best to ask a tax advisor about this, because if anything happens to your dad, the house would pass on not only to you but also to your siblings and mother under inheritance law.

Community of owners - you buy the big one - your dad the small ones. That should work, right?! Then you are listed in the land register and it belongs to you. How you arrange the financing (private loan or regular) is secondary. Your dad cannot then claim the upper apartment on his taxes -> neither can you because of owner-occupation,...

Those are the best conditions for it if it's your own dad. If Daddy buys the whole house, you buy the big apartment from him afterward. You can also usually write that off without any problems afterwards.