How to finance land with only a 30 thousand loan

I am only worried about the installment loan. Won't it be viewed negatively on my creditworthiness, or won't my terms get worse? After all, the bank does not know whether I used the money to buy the property or, for example, to buy a car. And then it won't be repaid with this. Or are my worries unfounded?

There are also consumer loans that can be repaid at any time as far as I know.

Summary: The concerns are unfounded Creditworthiness always means debts, assets, and income or expenses. The installment loan (and also the variable building finance) is backed by the property. An installment loan in the credit report is not negative. It means that your creditworthiness is good enough for it – a repaid loan is even better than if you always go through life without a loan (it really is!!!). Also, to reassure you, you can prove that the money from the loan went into the house. Bank statements don't lie.

Keep in mind, you will have a monthly rate of about 1300 EUR until the changeover..