Buy land and build later?

Hello, since it currently looks like we will have to postpone our dream of building a house because unfortunately the public funds were denied and now our 25,000 euros installment loans are unfortunately standing in our way, which we still have due to a rundown property and these cannot be refinanced into the construction loan either, the question now arises for us whether it would at least be advisable to buy the plot of land now, as there are only 2 left in our new development area. But how does it work when we then apply for financing for the house? Is that possible without any issues? The financing for the plot would be now and for the house in spring 2012, as my parental leave will be over then. Or does anyone have another idea on how to manage it completely?

Hey, does no one have an answer as to whether it is also not a problem to build the plot now and the house later??

Huhu, does nobody have an answer ready whether it is also no problem to build the plot of land now and the house later??

The plot of land will be encumbered with a land charge, so it should be included in the loan.

and what does that mean, I am also planning something like that...

Think if the later home financing is done through the same bank, there should be no problem with sufficient "equity". We did it similarly, only we had already paid off the plot of land and then built (it started in March 2011).