Built-in kitchen with financing possible?

How on earth do you come to the conclusion that something is maxed out up to the lower edge of the upper lip here??? Which bank still adds something on top for free disposal? We’ll take those then!

I’d claim your bank says so, otherwise this problem wouldn’t exist.

I was told that almost all banks require proof/documents to disburse funds. Some are even very meticulous about it. So which bank do you mean?

It depends on the bank. Financial advisors (several) said that if you have, for example, €20,000 left at the end, you will be allowed to spend it freely. At around €50,000, for example, you will have to repay it including interest. So it's very different. It should be clear that the kitchen is financed by almost no bank, and if so, then with an interest surcharge.

This is not about the issue of loan-to-value ratio and equity.

That is exactly what it is about. You just don't understand it. With a 60% payout, every bank will also give you money for the kitchen.

Well, if I declare only 75k instead of 100k, I keep my money and can do whatever I want with it.
But that doesn't mean the bank gives me money at my free disposal.

Yes, the bank does give you exactly that money. You have €25,000 at your free disposal and an additional €25,000 loan. Exactly what you want. Possibly with a worse condition though.

For around €50,000, for example, you will repay it including interest.

No, you won't. Contracts are honored. The bank finances a house. If it is built as planned in the end and there is still money left, the bank has to pay it out. Where should a right of retention come from? At least it is not stated in the contracts.
As I said, in the Volksbank sector and at least with Deutsche Bank, it works – I know this as a banker and customer.

In the end, you have to compare apples with pears. If you get 25k for the kitchen and then pay 0.5% more on the entire loan, then it's a bad deal.

That's exactly what it's about. You just don't understand it. With a 60s payout, every bank will also give you money for the kitchen.

But yes, exactly this money is given to you by the bank. You have €25,000 at your free disposal and €25,000 more loan. Exactly what you want. In case of doubt, however, with worse conditions.

No, that won't happen. Contracts are honored. The bank finances a house. If it is ultimately built as planned and there is still money left, the bank must pay it out. Where should a right of retention come from? It is certainly not stated in the contracts.
As I said, it works in the Volksbank sector and at least Deutsche Bank – I know that as a banker and a customer.

It was confirmed to me by all financial advisors (Check24, Dr. Klein, Interhyp and a few "smaller ones"). That's why I am just passing it on.

It was confirmed to me by all financial advisors (Check24, Dr. Klein, Interhyp and a few "smaller ones"). That's why I'm just passing it on.

I believe you have a misunderstanding. You only said "one would pay it back," presumably in the sense of "one can do that then." But then you either have to be allowed to make such a large special repayment (unlikely), or you pay the "penalty" for it. However, it does not mean that if there is 50k left over, the bank will hand it over. That is indeed not the case; you have the amount in the contract.