Question about financing existing properties

I do not understand the discussion, which is actually pointless given the existing framework conditions...

Ok, thanks for the info anyway

My statements were not meant to be cruel. If you fixate on something, you ignore the negative aspects. At least that was the impression I had. That's why I tried to take off your rose-colored glasses. At least you should read through the topic of own contribution again in forums. Usually, you don't save that much through your own work due to the extra cost of materials, double burden with rent, double the time compared to a professional, etc. When you then calculate how many hours you have to work to save €20,000, it's quite shocking. A forum can never objectively assess the situation anyway. Only someone on-site can do that. Talk to your bank or financing advisor, speak with an architect, building surveyor, or similar, run through the scenario with the professionals, and then decide.

Thank you, that reads much more pleasantly. It's a pity that it is assumed that people who ask questions haven't thought about it beforehand.

But I know from myself that people like to assume things that in their own opinion must belong to general knowledge ;)

I have an appointment tomorrow at least with the house bank. It was just about getting a preliminary assessment so that I don't have to believe my oh-so-nice bank advisor right away

Phew, nothing happened for a long time - but now things are moving.

Still, I can't manage my questions alone. Sorry, but first for my rather bad mood. Thanks Musketier for having so much understanding.

Regarding my questions: The property including the building is now completely being gifted to my wife. Is it enough for the bank if my wife joins the financing as the 2nd borrower? Or do I have to be listed as co-owner in the land register? So she transfers 50% to me as a successive gift? That would mean double notary and land register costs :( but at least no gift tax.

The giver (my father-in-law) would like to retain the right to continue using the barn. We all don't want to just regulate this orally. So we would notarize a right of use for the barn and a right of way to get there. Does that then also have to be entered in the land register? Can the right of use and right of way also be registered in 2nd rank so the banks won’t bother about it?

Thanks again for the hopefully forthcoming answers.

Regards Firef4rt

The bank does not care whether both of you or only your wife is the owner. So, only one set of costs!

If a usage right is registered, it negatively affects the valuation of the property. However, this should not be a problem because it is only a barn. Right of way? Is that necessary since a usage right already exists? A right of way is usually registered for other properties.

If you make subordinate entries, these will be void in the event of a forced auction! You all need to be clear about that - just in case.