Financing land purchase - house construction later

We also temporarily financed our property with a variable loan. We could have paid for it outright, but we wanted to remain sufficiently liquid. However, we did not find a bank willing to do it for a loan volume under 50k Euros, but you don't have that problem. After we had good reserves again, we fully repaid the loan after a short time, without fees or anything similar, very easily and unbureaucratically. This approach was explicitly recommended to us, and I would do it the same way again.