Construction financing - Is the bank loan / construction loan being negotiated?

So the bank also wants to make a little money with you. If your mortgage financing is risky (self-employed, low income, little equity), they will be less willing to lend you money and if they do, they will hardly negotiate. The lower the risk, the more likely they are to be willing to accommodate you so that you don't go to another bank. That means you should present them with arguments that prove your future ability to pay.

Maybe a small tip:

Have an alternative bank loan calculated for the KFW 124. It may be possible to get the same conditions (interest rate) with more flexibility (special repayments, etc.).