How to realize object transfer over a distance of more than 600 km?

You can continue your current loan for the new house and possibly increase it, provided your bank allows it. We happened to have a remaining debt of 380k on our ETW, but we paid off the loan and the prepayment penalty. For the new house, we then took out a new loan with a significantly better interest rate. You need to calculate what is cheaper for you. Sometimes a better interest rate compensates for the prepayment penalty.

If the buyer also has to finance the purchase price, he might possibly take over your loan. Then you save the prepayment penalty. Of course, this assumes that the bank would also offer the buyer a loan of that amount.

But the buyer would have to take over her conditions 1:1.

And with today's interest rates.. Although, of course, I don't know at what rate Kati financed.

Mine with 1.79% from 5.5 years ago will probably not be taken over by anyone :)

You can also sell before building the new house but stay living in your house and arrange all that in the sales contract. So move out on day X and pay rent until then. Or a calculatory deduction from the purchase price or (most of) the payment only flows on day X, etc etc

I've also considered something like that before. Of course, that would be great because then we would benefit from higher equity with the corresponding sale. Then we would naturally have good cards for the new financing. Are there people here or does anyone know someone who has done something like this before? I could imagine that you find buyers who would agree to something like that. The market for houses is relatively empty, especially the market for nearly new houses, and ours offers some nice features. But I always wonder what you do in such a case if something breaks in the meantime. Most structural things are still under warranty of course, but what if the child draws on the wallpaper or makes dents in the stairs or something.

I always wonder, though, what you do in such a case if something breaks in the meantime. So, most structural things are of course still under warranty, but what if the child draws on the wallpaper or makes dents in the stairs or something like that.

The same as currently in a rental apartment: fix it again – for example, repaint – and possibly have the liability insurance cover it. If you or your own child are at fault.

Otherwise, the landlord has to take care of it: broken roof/heating/water in the house.

If the house is fine and the price is fair, I would go for such a deal for an almost new house. You said it yourself: the market is empty.

You can continue your current loan for the new house and possibly increase it, if your bank allows it.
We happened to have 380k outstanding debt on our condo, but we paid off the loan early and paid the prepayment penalty.
For the new house, we then took out a new loan with a significantly better interest rate.
You have to calculate what is cheaper for you. Sometimes a better interest rate offsets the prepayment penalty.

Currently, interest rates are rather going up again. Therefore, I would want to temper expectations here :)

but the buyer would also have to take over her conditions 1 to 1.

And with today's interest rates.. Although, of course, I don't know at what rate Kati financed.

Probably no one will take over mine with 1.79% from 5.5 years ago :)

Certainly not. But Kati just built recently. I would assume a lower rate there.