How do you take the interest into account from the purchase of the land until moving in?

I conclude that the interest from the land purchase is indeed a significant item that often goes unnoticed. Maybe in my case not as high as described in the initial post, but it still belongs to the ancillary construction costs.

Well summarized. Now it is like this: the higher the ancillary construction costs, the worse the loan-to-value ratio and thus the interest rates. But you know that. It is a matter of weighing and recalculating. Do I want more interest-free provision time = higher interest rates. Do I increase the ancillary construction costs = higher interest rates. Do I leave everything as it is = guaranteed provision interest for x months.

I have a question, I always read here about the problem of the unused money and the resulting commitment interest.

In our case, it was such that two weeks before the end of the term, our bank advisor transferred the entire remaining amount to our construction account. And that without any problems.

Maybe it helps to ask your bank advisors/intermediaries about this.

And to be honest, we didn't worry about the ongoing interest. It just has to run alongside, otherwise how else would the financing go smoothly.

For us, it was such that two weeks before the end of the period, our bank advisor transferred the entire remaining amount to our construction account. And that without any problems.

That is certainly one option (if you are not necessarily with an impersonal direct bank), but after full disbursement, repayment is usually due as well.

but after full disbursement, repayment is usually due

Yes, that would probably be due then, so the question is probably which is cheaper - commitment interest or repayment - hmm

That depends on whether one considers the affordable monthly burden (then: about 99% provision interest) or the total costs (then: repayment each time).

It starts at 180,000 euros for 140 sqm, plus 40,000 euros for the fireplace and small items = 220,000. Otherwise largely standard construction, we are frugal, we don't need more.

Those are fantasy numbers. 180k for 140m²? Everyone here, even in the deepest sticks, is far from that. Even the emperor of economical house building, , was quite a bit off on that if I’m not mistaken. The construction costs should be questioned much more critically by you.