{
  "id": 17746830,
  "title": "Debt-free separation?: Transferring home to child during divorce: This is important",
  "url": "https://urgent.news/2026/11/02/schuldenfrei-trennen-eigenheim-bei-scheidung-an-kind-ubertragen-das",
  "topic": "business",
  "section": "Business",
  "published": "2026-11-02T04:55:05.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/steuern-recht/schuldenfrei-trennen-eigenheim-bei-scheidung-an-kind-uebertragen-das-ist-wichtig/100266523.html"
  },
  "original_language": "de",
  "account": "When a couple with a joint mortgage decides to divorce, they often wonder what will happen to their home. One option is to transfer ownership to their children, but if the children are minors, both parents and the family court must agree. In such cases, the parents usually still have to pay the mortgage, as courts rarely allow minors to take over loan contracts. If the couple pays off the mortgage early, they may have to pay compensation to the bank for lost interest payments. If the home is transferred to an adult child, the child takes on all responsibilities, including costs and taxes, but the bank must agree to any changes to the loan contract, typically only if the adult child has a sufficient income and security.",
  "summary": "Divorce is imminent, the jointly owned house has not yet been fully paid off: transferring it to the children can be a relief. But what about loan repayments and so on?",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}