Financing concept - Setting the course for the time problem

Just not for the customer, who pays for everything...

How the parties involved split which margin among how many people may not matter as long as the conditions are right. What our advisor could offer was significantly below what we researched ourselves on portals, websites, and in conversations with our house bank. Presumably, we are simply not financing heroes either; otherwise, we would have chosen a longer term than 10 years during the low-interest phase. So, in about three years, we either have to get attractive interest rates again or repay the loan.

No, 99.9% of banks do not need it. At least not for a credit decision. Only as a disbursement requirement.

If we want/need to partially finance the property, and a disbursement must take place in June, would the approved application then be necessary? Or only during construction and the partial payments based on progress?

How the parties divide the margin among how many people can be irrelevant if the conditions are right.

Well, if you pay 2-4% of the construction financing sum (via the interest), then again an official closing fee for the building savings contract, administration costs + another sales commission (see the first mentioned figure) and then once more commission for the building savings loan (this time it is somewhat lower), it might be irrelevant to you if it makes sense.
Unfortunately, 95% of building savings financing structures are currently not sensible.
In 95% of cases, the classic annuity loan is cheaper/more sensible.

If we want / have to partially finance the plot and a payment must take place in June, would the approved application then be necessary? Or only during the construction and the installment payments according to progress?

Not at all for the plot part – the only question is how much equity you want/have to contribute. Before the first payment for construction, you obviously need the building permit.

Unfortunately, 95% of the home savings financing structures are currently not sensible.

I had also heard that, and it caused a question mark in my head. Ultimately, I just wanted to have a low interest rate in order not to have to use part of the available money, but rather to invest it. Therefore, I took out a loan for part of the construction costs at just over 1%.

For the land portion not at all - the only question is how much equity you want/must bring. Before the first disbursement for the construction, you of course need the building permit.

Oh okay, that's new to me - thank you! So if I take out a classic annuity loan with Bank A for the building plot, I am bound to the construction budget (1st priority). If I take out a full redeemer loan, I am free again as I understand it. But it costs more. We are planning with a total volume between €710k-€730k (building plot incl. purchase ancillary costs €205k) and want to use a maximum of €140k for the entire project/volume.