House construction financing: Do not fully draw/use the loan

I would therefore try to burn through the money, outdoor facilities, etc.

I already suspected that it would come down to that.

* if you need less, you have built a "cheaper" house and possibly the bank will want to adjust the conditions. The loan-to-value ratio changes after all

Regarding that point: wouldn’t it then be the case that you even have a better equity/debt ratio, since in relation you have used more equity compared to debt than originally planned?

Regarding the point: wouldn’t it then be the case that you would even have a better equity/debt ratio, since you actually used more equity in relation to debt than originally planned?

yes, but YOU applied for the loans like that. That means equity first and then loans. In hindsight, no bank will change the contracts in your favor just because you were cheaper.

The bank could also argue that you built an inferior house and they wouldn’t have wanted to finance it in that form. The construction costs are known regionally.

We have included a buffer in our financing and had it included in the contract to not have to call up a part free of charge. However, this did not happen.