What house construction options are available under these conditions?

Terrible, simply terrible, this choice of words and this mindset!

Getting involved, dreadful, really dreadful, above all to have such a mindset and attribute it to others?

Do you read what I write? Do my children involve me when I like that they include me, or I expect this and support them as far as possible? Do I write anywhere that it must be like that, that it is mandatory? Can you imagine that I am not the only father who thinks like this? That there are other parents who consider this self-evident because love and trust in the children exist and it brings immense advantages?

Where is your problem?

Why even provide a loan? If my son can reduce the loan-to-value ratio, for example, from 85% to under 60% by using my real estate as substitute collateral, that corresponds to an improvement of the conditions by at least 0.3%, or even more. Now let him borrow 450,000 euros, what does that make in 20 years? What risk do I have, what opposes that?

Dear HilfeHilfe, you are no help, never were and never will be! My approach has (and partly not only here) absolutely nothing to do with selling, zero point zero, and your babble changes nothing about that!

Really pull yourself together, provide some added value, and if you can’t do that, at least leave me out of the game and accept that I will correct falsehoods, represent my position, and try to help consumers and provide them with added value, even if only because they wish for it and think they can afford it, to support the purchase of real estate through a positive credit assessment and yes, if necessary, if so desired, also with the help of the parents, or their property!

It is disrespectful to speak of "Gedankengut" here! Everyone has their opinion. That should be respected! A salesperson will always point out every trick. Whether that is good is another matter! So please reconsider these pub talk slogans and choice of words! As a foreigner, I do not want to be associated with "Gedankengut" here. The only thing missing now is right-wing!

I actually have nothing to do with this thread. If 100k€ are missing, you don't need to discuss the intricacies of financing at great length. I find the remarks about customers, consumers, or holistic advice very strange in this context.

Didn't you announce that you are back from somewhere and are happy to bring quality here? That would be something, as there is enough expertise available.

I actually have nothing to do with this thread. If €100k are missing, you don’t need to discuss the nuances of financing at great length. The statements about customers, consumers, or holistic advice strike me as very odd in this context.

Didn’t you announce that you just got back from somewhere and are happy to bring quality here? That would be something, there is certainly enough expertise available.

Quality grows by asking questions in order to then answer them thoroughly. I did that and found myself faced with the question of the parental home or family environment. I then answered and thoroughly explained why it is indeed right and important to also "examine" this environment and discuss and clarify the issue of loan-to-value ratio.

The OP wants to leave this aside, but it could just as well be an indication of improving the initial situation so that purchasing or real estate acquisition decisions shift.

Above all, every thread brings – at least it should – added value to those who read along, and I do believe that one can express oneself generally, especially considering that I first wanted to gather information to be able to form a holistic picture and based on that respond and help.

Just as one can, must, and should point out that there are pitfalls, that problems arise, or that certain things were not considered and this leads to a decision against the project, it also works exactly the other way around, and that too can be our task, at least for those who have never regretted buying real estate and can always subordinate something to it.

By the way, I demonstrate expertise by clearly stating that the environment must also be addressed.

Terrible, simply terrible, this choice of words and this mindset!

Where is your problem?

Firstly: you simply always write way too long. Getting straight to the point would help the readers.

Secondly: you only mention the advantages of borrowing against the parents' house here, namely the cheaper interest rates. But you leave out all the risks and disadvantages. This cannot be called a neutral consideration.

I would not recommend borrowing against the parents' house.
The risk of financing should be borne by banks and not by someone who might be close to retirement.
This is not just about trust, but about risks that life brings along.
However, one can speak openly about it and maybe also about insurances that minimize the risk again, but this also incurs costs that should be taken into account.

I asked questions, and instead of waiting for the answer, I was confronted with them. I have thoroughly explained why I am asking and it should be understandable if one wants to respond knowledgeably and individually, above all to help.

The negative aspects are of course also mentioned, but what sense does it make if I ask about the possibilities of substitute security only to then list the negative aspects??

So my advice, don’t read my posts or ignore me