What should be considered when financing or gifting a family home property?

May I ask what you mean by that? Regards

I was referring to the person who wrote before me, who said, "then the public would have to cover the rest with tax money, what if everyone acts that cleverly?" I work in the social welfare office, providing care support. I deal with exactly this situation almost every day. House transferred, 10 years gone by, and the taxpayer pays diligently.

We have made similar gifts to our children and reserved the usufruct, all through a notary specialized in inheritance law and have it reviewed by a tax advisor. I would always do it that way again because there are cases you don’t think about beforehand…. Have you, for example, considered that you could die within the 10 years, your wife inherits the property and wants to sell it? In our case, there were also tax pitfalls regarding renovation costs, etc.

You can state the value of the property yourself, but it will be checked by the tax office. The value of the gift as a whole is also influenced by the value of the usufruct/residential right.