The house belongs to the bank, but they do not claim it, grandma lives in it

If there is nothing to gain from Grandma and Grandpa except the old house, it could theoretically also be the case that the bank is waiting for the heirs. Theoretically, it should already have been clarified at the time of Grandpa's death what happens with the assets/debts, since by default the wife only inherits half.

I see, I first need to look at the documents. I have to admit, I've never seen all of this before. That was about 10 years ago, I was 20 back then and I did hear a bit about it, but I was never involved in anything. My grandpa took care of it, but he insisted that none of us contact the bank.

Then I would say, let's leave it at that for now and I'll get back to you once I have the documents. In 1.5 weeks is my grandpa's funeral, then I will have my grandma give me the documents and I'll inform myself.

One question, if you request the land register extract, could the bank find out about it?

No, the house belongs to my grandma. My grandpa and grandma were not married. But he took care of everything back then.

Regards Specki

. The funeral of my grandpa is in 1.5 weeks, then I will have my grandma give me the documents and get informed.

First of all, my sincere condolences.

Just spoke with my mother on the phone. So, it is not known whether the bank is still recorded in the land register. Back then, there were two forced auctions scheduled, which were each canceled again at short notice due to the influence of my grandpa. (He used to be a big shot in the police... he must have "worked" on it accordingly, however that was...) Since then, nothing has been heard. So, as I said, first look at the old documents and request the land register excerpt. But we will only start all that after the funeral. Thanks already for the food for thought. Oh yes, as collateral, ONLY the house was pledged back then. It is contractually stipulated that only the house applies, otherwise nothing can be collected from my grandma or my mother personally as private debtors. Regards Specki ps: Sorry if I use some terms incorrectly here, I am a total layman in this area.

You will have to sort all this out a bit. Who actually owns what, what debt is actually on the house ... I can't imagine that there is a debt outstanding that hasn't been serviced for years and the bank does nothing. I also don't believe that the house belongs to the bank and Grandma has just been allowed to live there as a squatter since way back when.

Cool story, keep us updated.