Using in Düsseldorf enables owners to transfer real estate to relatives and at the same time to live in them or to benefit from rental income without refraining. This model offers tax advantages and clear regulations, especially for older owners who want to spend their retirement secure.
Düsseldorf, May 14, 2025 (LifePR) – During his own property, transferred to children or relatives during his lifetime, but continue to live in it or benefit from the rental income? For many owners in Düsseldorf, this initially sounds like a contradiction – but so -called usufruct law makes it possible. It offers an elegant solution for everyone who wants to pass on assets without foregoing security and control.
Using – what does that mean specifically?
Using is a right of use regulated in the Civil Code: The authorized person may use or rent a property, even though she is no longer the owner. The law is entered in the land register and can only be deleted with the consent of the usufructor. Especially in coveted Düsseldorf locations such as Oberkassel, Unterbilk or Golzheim, this model enables cross -generational planning – without loss of control for the original owners.
“Use consumption is a strong instrument for cross -generational asset planning,” explains Katharina Heid, Managing Director of Heid real estate evaluation. “Especially in cities with high real estate values such as Düsseldorf, it can not only be used for tax benefits, but also create family security.”
A model with a double advantage
The transfer of a property with usufruct with usufruct not only lowers the tax burden. She also often creates clarity emotionally: property is regulated, and the living situation too. This is particularly important for older owners who want to spend their retirement in life without fully giving up their property.
An example: If a house in Düsseldorf is given away to a child worth 900,000 euros and the usufruct of the parents is calculated by the calculation, the tax -relevant gift value is reduced to only 600,000 euros. This means that the allowance of 400,000 euros per parent-child relationship can be used much more effectively-especially with early planning.
Rights, duties – and pitfalls
Using users have far -reaching rights: You can use, rent or withhold the property yourself. At the same time, however, they also bear responsibility – for example for maintenance, operating costs and minor repairs. What many do not know: A move to the nursing home does not automatically end the usufruct law – if there is nothing else agreed in the contract.
A critical point is evident in real estate sales: If usufruct is entered in the land register, the property can be sold, but only with price discount – because buyers cannot use or rent the property themselves as long as the law exists. In practice, the market value of such objects often decreases significantly, which should be considered in the event of a sales intention.
Professional assessment is mandatory
The valuation of a property with usufruct requires special expertise. The capital value of usufruct depends, among other things, on the age of the beneficiary, the type of use and the earnings value of the property. A flat rating can quickly lead to tax disadvantages.
“A well -founded report not only creates tax clarity, but also legal certainty – for example in the case of later clashes within the family,” emphasizes Katharina Heid. “Especially in complex cases such as usufruct, it is important to evaluate neutral and understandably.”
Use using in Düsseldorf – act with foresight
In a city like Düsseldorf, in which real estate prices are above average in many layers, usufruct is a valuable tool for long -term asset planning. It combines flexibility with tax savings – and enables owners to decide independently about their property.
