Funding confirmation or how to spend more money...

I'll try

Andre, they are right. The submitted paper that your bank does not want to sign is a self-service authorization. The money is your only leverage. Our bank signed it, I was there, it took as long as a quick read and would have caught us nicely. It was only circumvented because we did not need the interim financing prepared as a precaution. Access against our will would not have been possible, but could have caused trouble for the bank.

Best regards
Gabriele

Of course my industry colleague reacts like that, you lost your tone in the initial post. You have a cheap financing and complain about costs that do not correspond to the standard business. Guarantees, assignments, etc. increase the processing costs at the bank, period. These costs are passed on and yes, the bank also profits from them. But it's your own fault, hopefully you studied the contracts with HuH? If not, you have no reason to complain. He who builds cheaply pays twice. And HuH simply wants access to the loan. He knows his clientele as well.......

I also find this reaction completely inappropriate. I cannot see at all that Andre77 even remotely lost his tone.

Andre77 is uncertain, in parts rather clumsy, the purpose of a forum should be to help and Caspar2020 shows how to do that.

In such a case, it applies to every builder to discuss and coordinate with the construction company and the selected bank in the course of (or for) the financing provision. There can be no other advice here.

Ask yourself if you are seriously self-employed and dealing with T&Cs? The bank has certainly pointed out their general T&Cs in the loan agreement. The costs you are questioning should be listed there. Anything not directly related to your construction financing does not need to be discussed or addressed. Or did you think that by reviewing your loan, a legal review of your contract with Heinz von Heiden would take place? And as in the tavern, it applies here: once a guarantee is ordered, it must be paid.

Impossible and professionally wrong as well!

That’s nonsense. The bank doesn’t want to sign the confirmation on the form from Heinz von Heiden, right?
Have you ever asked for a financing confirmation issued by the bank?
By the way, you wrote in #1 that the bank won’t sign the confirmation from Heinz von Heiden because it was about the assignment of the entire loan amount.
So on the one hand, an assignment of a loan is not a financing confirmation and on the other hand, as already mentioned, why should the bank sign a form that is legally questionable for the bank??
What you’re trying to pin on the bank is really outrageous.

It certainly isn’t just about a financing confirmation here! Heinz von Heiden requires at least the assignment of the financing funds or a guarantee.

Clear tip here: before the bank and the construction company are chosen, it is important to ask what the construction company requires and demands regarding securing payments and what the bank is able to declare or provide against which fees.

For me, neither the bank nor the construction company is to blame here; putting blame and the question about it leads to nothing, but solutions are appropriate, and the OP knew too little and considered too little in advance, and the solution can and should certainly be shown in a forum.

To give some feedback here:

The bank has issued a financing confirmation. Heinz von Heiden has accepted it. A guarantee was not necessary (which, according to the latest information from the bank, is no longer issued, although it sounded different back then). I believe it was more about the confirmation being issued on bank letterhead and not on Heinz von Heiden paper (which is why it was not accepted as such). And as it looks, no costs have been incurred for this either.