House bought but moving in later - experiences?

You can also tell your bank that the purchase price is only due on DD.MM.YYYY and negotiate with them until the participation interest is postponed until after this date. Whether 6, 9, or 12 months is mostly irrelevant to most banks nowadays, as long as the deal is made. Especially if today the date of the purchase price payment is most likely fixed to the exact day.

Yes, that is correct. For the currently available offers, it is 6 months - you can buy more. Usually for 0.02% per month. The problem is that you carry this over the entire loan term.

I would negotiate that out. Most banks don't have much trouble with it for up to a year.

That sounds like a plan. Then we (both seller and buyer) could save ourselves the whole thing with the rent payments. The contracts will only be rewritten upon moving out and settled via interim invoice. Done

I would also try to avoid rent, as you then have to pay taxes on it. Better to include it in the price, then you also save on the difference the real estate transfer tax.

As already said: it is not a double burden because you are paying into your own pocket. If you first make it interest-only for about a year, then theoretically you have to add the repayment in the following years. I sold myself and was allowed to live rent-free for 9 months. For that, we agreed on a lower price. We received the money initially in two installments. One after the contract, the other after the land registry entry or something like that. And honestly: with a used property, a lot depends on appearance and trust. 1000 € x sqm... That doesn't exist. The seller wants to remove their valuable fixtures, the buyer wants as little as possible without being offensive. You meet in the middle. But where is the middle? It is variable. If you want the house, then even 5-10000 go into preference!