110% financing in one or two loans?

We do not want to finance the kitchen. We are buying it from the current owner in cash; the price is extremely fair for a one-year-old kitchen of that size and quality. Financing this item would therefore be excessive.

At the very least, we definitely have to have the place painted, plus some minor things like new toilet seats and lamps. In one room, the floor covering is damaged and should be replaced. Of course, you can also leave it as is for the time being. The garden has not been landscaped at all yet; for that, we would like to keep a reserve to tackle it next year.

The only question is, what is better: financing 110% over 30 years, or 100% over 30 years plus 10% over 10 years.

I don't understand your last question. It's the same thing! There is only 100% with equity input or 110% without equity.

So I would not be willing to pay about €14k interest on €26k. You're saving in the wrong place.

Do everything over time and save yourself €14k. It's quite simple.

I think there isn’t that much equity