Ground charge ordering - notary contract, ground charge...

Hello,
I had already inquired in a thread regarding my financing options. Now we have the following situation.
The notary appointment should be in October; for this, the architect needs the bank for the registration of the land charge. Two weeks ago, my wife and I got married. She is still a student teacher (currently in her first state examination) and therefore has no significant income. For this reason, we switched our tax classes from 4/4 to 3/5, which of course is not yet visible in the net income.
My gross income is €5530 with 13.3 salaries.
Net income tax class 1: 3230
Net income tax class 2: approx. 3730
The house comes from the general contractor and includes the land, which is not sold separately, 535,000 + own services, electrical, floors, doors.
The payment plan provides for paying 30% of the amount after the notarized contract, for which you receive a preliminary notice of conveyance. We could manage this from equity (190,000-200,000). The financing is in my name.
Is it possible to wait with the financing (until the net income has adjusted) after the notarized contract and have the land charge registered later? Will the down payment then be counted as equity?

The construction is only planned for February or March. I would prefer not to keep the money lying around for so long due to the limited interest-free period.

Not only the interest rate, but also the interest-free period can be negotiated. Or for example, at the end of the interest-free period, you can have the rest, max e.g. 10% of the amount, paid out without invoices.

Before I let myself be backed into a corner (notarized, first payments are foreseeable and still no loan, your bank can see that!) I would first get the loan and then sign.

And practically speaking: for a separate land charge order, you would have to go to the notary a second time.

PS: You can revoke loan agreements within 14 days.

Signing the purchase contract without the financing being secured would be too risky for me as well. However, the notary will do it for you if you really want.

to sign such an amount would be hot for me!

is your wife also the owner? If not, she did something wrong

The equity capital partly comes from my parents; due to their bad experiences with acquaintances, it is only given to me. My wife will be registered later. However, she is not included in the loan agreement. Through the equalization of accrued gains, she will be entitled to half of the increase in value later anyway. Nevertheless, she will then also be entered in the land register.

This means financing must be clarified beforehand. However, we are still secured by my parents.

You have a good income and equity. You will get the financing. I would still have a bad feeling signing with the notary beforehand. With the woman, it's a tricky matter. Only you can decide that. She always ends up being seen as the fool, as long as she doesn't own half (land register).