Home financing - building plot available

Hello,
so I would include the equity in the financing, which results in less interest, but I would still set aside a small amount just in case something comes up (car etc.).
Since you work in construction, I would contact the [Urlaubskasse] and ask about an interest-free loan, provided you have been working in construction for 5 years already. As far as I know, you can take out loans up to 20,000 euros there (and interest-free!!) you just have to pay a few cents annually to the tax office, but that is not much.

Unfortunately, the exact rates are not that simple because every bank has its own rules and calculation methods. There is no way around it; you have to go to the bank and ask.

Otherwise, my predecessor is right, the loan will be cheaper if you bring equity. Above all, do not ask just one bank; there are often quite big differences.

If you work in construction, maybe talk to the architect/developer to see if you can combine everything with personal work.

For example, there are prefabricated houses where the entire interior construction can be done by yourself. However, you absolutely have to calculate beforehand how much that will save.

And definitely inform yourself beforehand about what development costs and taxes will apply to you.