Schuldenfrei trennen?: Eigenheim bei Scheidung an Kind übertragen: Das ist wichtig
Die Scheidung steht bevor, das gemeinsame Haus ist noch nicht abbezahlt: Eine Übertragung an die Kinder kann entlasten. Doch wie steht's dann um Kreditraten und Co.?
When a married couple is divorcing and their shared property is still outstanding, the fate of the home becomes a pressing issue. This is a concern that most couples face in such circumstances. One possible, and often emotionally relieving, solution is transferring the house to the common children. "If the children are minors, both parents, and usually the family court, must agree to the transfer," explains Eva Becker, a Berlin-based family law expert.
However, parents typically continue to pay the loan installments, as courts generally do not approve minors taking over loan agreements. If the loan is settled prematurely, compensation is owed. For this to occur, the married partners must be able to afford the remaining debt, including any early repayment compensation. If instead, a parent wants to transfer the property to an adult child, the son or daughter assumes all responsibilities, such as costs and taxes.
Changing the loan agreement may require the bank's consent. This is usually only the case when the adult child has sufficient income and security.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
