Donation/ Estate Planning
Did you know that it is possible to make a donation on paper? You will create a debt and amount guilty and only pay the annual interest to the recipient. This could be interesting for (grand) children but also for gifts to cousins or non-relatives.
Have you ever heard about the family bank? You could lend money to family or friends, who can use this to buy a house or to pay off their mortgage. You will receive interest and redemption. You may also want to establish a mortgage to obtain assurance about repayment.