We would like to seek professional advice on the most efficient financial and tax strategy for our situation.
My parents are planning to sell their investment apartment soon, which will free up a significant amount of capital. They would like to reinvest this money in a way that is both financially beneficial and forward-looking for our family.
My brother and I are both currently living at home and do not yet own any property. My brother has approximately €100,000 in savings, mostly in a savings account with a small portion invested through his bank. I personally have around €65,000 invested and €15,000 in savings.
Within the next 1–2 years, I plan to rent an apartment from my parents at a favorable rate together with my girlfriend. In the longer term, we intend to purchase a home together. My brother is still uncertain about his plans.
We are considering the following structure:
Purchase of two investment apartments
Apartment 1: 50% ownership by my parents and 50% by my brother
Apartment 2: 50% ownership by my parents and 50% by me
The idea is that both my brother and I can already start investing in real estate together with our parents.
Our main question is tax-related:
If I later purchase a home together with my girlfriend (each owning 50%), would I still be eligible for the reduced registration tax rate (2% for a first and only home in Flanders)? Or would I lose this benefit because I already own 50% of another apartment, even if it is only a partial ownership and intended as an investment?
Thank you for the help! ;))