Takeover of the parental home + extension for parents

Hello everyone, we are currently stuck and maybe someone here has a good idea... The following situation:

My partner (not married yet) and I would like to take over my parents' house because it has become too big for them. The house was built in 1985 and is on a hereditary leasehold property of the church. We have considered building a small extension onto the house for my parents to move into. I also have a brother. With regard to the 10-year period concerning care, we would also like my parents to no longer own any property.

How is something like this best arranged now? We are currently not seeing the forest for the trees. Theoretically, we could pay out my brother, but we don’t have the money to do that, then remodel my parents' house according to our ideas, and also build an extension for my parents.

Any ideas?

Take out a loan.

You don't have to do everything immediately. For example, you could start with the extension first and simultaneously figure out how much money will be paid to your brother. It shouldn't be as expensive as a whole house. Once the loan is paid off, the brother will be paid out again... Something like that happened with us too. Of course, if the house has too high a value, there aren't many options to make everything fair. Then only the sale and 50/50 split remain.

You could actually buy the house from your parents. Then it is no longer your responsibility to pay off the brother.

Would such a construction project still fit on the property? What does the development plan say regarding 2 residential units? Clarify all that first. And then see how many square meters you can add from a financial perspective. 80 sqm also costs 150,000€. Why are the parents no longer allowed to own property? Do they already know about their "luck"?

I have just gathered a few reading tips on this topic: -- --

Why are parents no longer allowed to own property?

Because in the case of needing care – unless one is a self-payer – existing assets or assets transferred less than ten years ago are reviewed.