110% financing in one or two loans?

On the topic of consumer credit.
...24 got 0.69% interest. I thought I must be seeing things wrong. I immediately entered my data. I consider myself relatively liquid, single, no children, almost 4k€ net. However, I don't think my Schufa score is that good. Anyway, my creditworthiness is not sufficient for 0.69%. I was offered 2.99% on 15k€. Not bad but far from 0.69%. Of course, I had thought about that beforehand. Even with 20k€ net, my creditworthiness probably wouldn't have been enough.

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

So I wouldn’t be willing to pay about €14k interest on €26k. You’re saving in the wrong place. Saving is even the wrong word for it..

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

Right.

What was questionable for us was simply whether it is better (as recommended by one of the banks) to finance 100% through the bank and 10% through another normal loan, so with two loans, or 110% in a single loan. Which option ultimately means less interest payment.

I don't think there is that much equity

You can believe in church

You want to finance a few buckets of paint, a toilet seat, and lamps now? And if you don't have any money, you just paint yourself.

Pay the ancillary costs from equity, if actually available. You will somehow manage the few buckets of paint. The rest then gradually.

You want to finance a few buckets of paint, a toilet seat, and lamps now? And if you have no money, then you just paint yourself.

Paint, small items, lamps, floor, and kitchen. Not financed, paid in cash.
What remains is intended to serve as reserves. Something can always break unexpectedly. If all equity is tied up in the financing, we would have to take out a loan again for everything that comes up. That would be risky.

So I would first say goodbye to having any reserves from the funnel. Quite frankly, you are financing your reserves yourself, which makes no sense at all. You can build up the reserves again once everything else has been purchased.

Apart from the kitchen, it doesn't cost the earth. Can't you borrow the money from somewhere? Parents, siblings, grandma, etc.?