Application phase land - How do I finance everything?

A question of strategy - generally, repaying debt is certainly more sensible. However, it may be that you need more equity for the kitchen, etc., and want to "keep it free."
Certainly a case-by-case consideration.

Yep, that's the reason.

Repaying certainly brings more benefits, that's completely true. However, the question is always how much equity is available and whether you might need that equity for your own contributions later on, kitchen, or other purchases.

The excessive equity contribution can be paid out again.

Example:
Property value (fully paid) 100K€
Equity contribution according to calculation but only 70K€

Then you simply pay out the 30K€ with the first payout and then have cash again for furniture, kitchen, and other things..