Slowly but doubt about financing

Well - it is true on one hand that future care for parents can "ruin the best financing"

Property financing cannot be ruined by care costs!!

First, several items are deducted from the net income, such as the costs of property financing, travel expenses, as well as other loan installments, and THEN you have the adjusted income.
From that, the self-retention amount is deducted, 1800 euros for a single person + 1440 for the spouse, so that is already 3240 euros! In addition, there are also allowances for children!
So if you have a 1000 euro installment and 0 euros for other loans and travel expenses and no children, you have to earn over 4240 euros NET to have to pay a single euro in parental support at all.
And even then, you only pay 50% of the amount exceeding that as support.
At 4241 euros, that would be a whopping 50 cents!

PS: I have not dealt with the income limits on this yet - so maybe it’s not as bad as it seems.

A real estate financing cannot be destroyed by care costs!!

First, several items are deducted from the net income, such as the costs of real estate financing and travel expenses as well as other loan installments, AND ONLY THEN do you have the adjusted income.
From this, the self-retention is deducted, 1800 euros for a single + 1440 for the spouse, so that’s already 3240 euros! In addition, there are also allowances for children!
So if you have 1000 euros for installments and 0 euros for other loans and travel costs and no children, then you have to earn more than 4240 euros NET to have to pay even one euro in parental support.
And even then, you only pay 50% of the exceeding amount as support.
At 4241 euros that would be a gigantic 50 cents!

Ah - OK. That’s a bit reassuring. Thank you very much.
As I said - I hadn’t really dealt with this topic yet. So we should be well protected for now.

By the way, I wish our parents (mine and my in-laws) a long, active, and fulfilling later life (although the in-laws first have to reach that point).

I once searched for it purely out of interest myself and now had to look up the exact figures again. But I remembered that I was absolutely reassured

The deductible is still subtracted from that, 1800 euros for a single + 1440 for the spouse, so that's already 3240 euros! In addition, there are also allowances for children! So if you have a 1000 euro installment and 0 euros for other loans and travel costs and no children, then you have to earn over 4240 euros NET to have to pay even one euro in parental maintenance. And even then, you only pay 50% maintenance on the amount exceeding that. At 4241 euros, that would be a gigantic 50 cents!

The deductible of course includes the "rent," which is offset against the construction financing. They’re not so easily fooled by just increasing the repayment rate beforehand or similar tricks.

I can only confirm that, especially since homeownership is protected anyway

Not if the homeownership was gifted by the persons to be cared for and a certain time (I believe 10 years?!) has not yet passed.
It is of course true that the nursing care fund will not drive you into ruin. But it is also true that you don’t get off as cheaply as some imagine (like suddenly financing a Porsche two months before...). First of all, everything that belongs to the caregiver has to be used up. For example, a gifted house still counts for several years.

It clearly states that the interest and repayment rate of a construction loan is deducted before the self-retention.
Nothing is offset against rent there, which is included in the self-retention.
For tenants, the whole thing is probably less advantageous, but here it is about the construction financing, and this is expressly to be deducted from the net salary before the self-retention is fully taken into account.

So net - construction financing (etc.) = adjusted net
adjusted net - self-retention = excess amount
excess amount / 2 = maintenance amount.

Of course, you can’t finance a Porsche there, since the "calculation of maintenance according to an appropriate standard of living" is used. But it was less about how to effectively avoid parental support and more about whether one’s own construction financing could be endangered by nursing care costs. And it cannot. Anyone who actually earns enough to have to pay parental support has the construction financing secured 2-3 times over.

That the parents have to liquidate their own house for care costs also has no influence on the children’s construction financing. However, if the parents’ house was sold before the onset of the need for care (not gifted), the train for the social welfare office would have left as well, unless the sale price is still sitting somewhere in a fixed deposit account.

That the parents have to use their own house to cover care costs has no impact on the children's construction financing. However, if the parents' house was sold (not gifted) before the onset of the need for care, then the case for the social welfare office would also be closed, unless the sale price is still sitting somewhere in a fixed deposit account.

This concerns the original poster, where this does indeed have an impact. He wants to heavily overfinance today so that he can someday use the inheritance to save the financing. He has already been gifted his parents' house, which could still be used for parental support for several more years. No one has to pay parental support as long as the parents can cover the costs themselves. Responsible parents also save quite a bit for this, which is why suddenly they bequeath substantial amounts. If the house was sold before the neediness, the money must still be around somewhere. If necessary, the money must be reclaimed if, for example, it was gifted. The parents may be obligated to prove where the money went, for example, if the authorities find the matter suspicious. If a house was sold two years ago for €400,000, and now suddenly they are broke and in need of help, you really need a good excuse as to where the money went. Gifting it to grandchildren, for example, is a foolish idea.