Experience financing according to construction progress

therefore also sometimes hold equity for the bundling... afterwards have a loan paid out.

It is always advisable to keep a little liquidity

Ask about advance payment options if you are not liquid enough

The same model was also suggested to us by the house bank with a separate construction account. As long as you have some money in reserve, I see no problem with it.

We received the money from the bank in a lump sum. That had been a requirement from us to the bank. However, the loan-to-value ratio was only around 60% on our side.

That's a completely different starting point or risk for the bank to put it directly.

Our house bank also paid out the withdrawals of the modules into our construction account. The large amounts were commissioned to the bank, everything up to 10k€ we could pay ourselves.