Takeover of the parental home + extension for parents

. And how much loan you can take with your income. I would say roughly €250,000 and up

That's not possible at all. The house is only worth €200,000 plus an extension. In addition, leasehold contracts often have lending restrictions. If a right of residence is added, the lending value drops even further. And when the parents are no longer around, tenants have to move in. Is that what you want? The parents' rent is taxable.

With sufficient income of the thread creator, he should be able to get a loan independent of the house, right?

Why are parents no longer allowed to own property?

My question was answered here during the course of the thread. Ok, I suspected that.

However, such a plan is flawed because a lot of money has to flow from one side. Nothing is free here. You would have to take out a large loan to renovate the parental home yourself. If the parents renovate themselves, then they own the property again or become tenants of you. Ultimately, you, your brother, and yourself will have to contribute to the care costs. And this care will be the assembly-line care mandated by the authorities—exactly the kind of care one does not wish for oneself.

So I find the "criticism" partly misplaced, because it can also be seen differently. Why should someone be "punished" for buying/building a house instead of spending their money on traveling/partying? That can't be the point in the end. Otherwise, the advice here would be to run the numbers. The question is whether, instead of the extension, a condominium for the parents wouldn’t be cheaper?!

If real estate is so cheap with you anyway, why don't you just buy something of your own? If the parental home on a leasehold is worth 85,200k, there will probably be something decent for you for 350k. Just because of the possibly looming need for care? That stress wouldn't be worth it to me.

By the way, I also think that no one here has the right to judge whether one initiates corresponding asset shifts before old age or not. It is legally provided that way, those who use it do, those who don't simply don't.

Without the information about the parents' / your age, the whole discussion here doesn't really make much sense anyway. For a house worth 85, I estimate not yet 70.

When it comes to the transfer of assets, it is sufficient to simply transfer the house to the children at 50% each. Then no equalization payment has to be made. Perfect.

I believe the conceptual error lies in the assumption that 200,000€ would be generated through the transfer, which could be invested in building a house. In reality, however, 100,000€ flow from the thread creator to the brother, which he then lacks for his own house.