Change in creditworthiness, loan contract signing and disbursement

Hello,

I signed a loan agreement for the purchase of an old building in January. However, the loan will not be disbursed until July.

Now I would like to simply buy the kitchen in installments, as it can be financed at 0%, which would naturally result in a Schufa entry before the loan is disbursed. Could this cause any problems or not?

Furthermore, during the financing period we would of course want to have children at some point, my wife would then be absent for a total of 2 years, which would reduce our household net income. We have, of course, taken this into account and can still pay all installments, but this does change our financial situation at least for a certain period of time, could this possibly lead to additional collateral being required by the bank?

Now I would like to simply buy the kitchen in installments, as it can be financed at 0%, so of course I would then get a Schufa entry before the loan is disbursed. Could there be problems with that, or not?

No

Furthermore, we would of course want to have children at some point during the financing period, my wife would then be absent for a total of 2 years, which would reduce our household net income. We have planned for this and can still pay all the installments, but this does change our economic situation at least for a certain period of time; is it possible that the bank will require additional collateral as a result?

No Unfortunately I still have to write a few mandatory words...

will this possibly lead to an additional collateral requirement from the bank?

Likewise no. The contract is based on the current state and is now safe. Don’t overextend yourselves: one less salary, a loan for the kitchen, and one child, all together minimize the pot of money!