How/when to complete financing?

Anyone who intends to buy a house gets such a slip if they want, stating that they are liquid in the event of a purchase. In your case, it would be the house bank where the equity is held.

Am I or are you missing something? Why would you have to pay more interest on the loan? Whether you start repaying the loan now or in 2 years makes no difference, right? Or do you want/can only start repaying when the apartment is finished?

: Can I also get such a slip from the lending bank for the last third without having already signed a fixed financing agreement?

: You are of course right. I don’t know either what I had made up there.

Do I also get such a slip from the lending bank for the last third without having already signed a fixed financing agreement?

Sure, otherwise you wouldn’t need it and could just show the loan contract. It’s just a piece of paper. Worthless, but everyone wants to have it.

Thank you, I was not aware that I could receive such a financing commitment without finalizing a financing agreement.

The tip to prioritize the loan first is not wrong. It's best to contact an intermediary and clarify the disbursement. By the way, I see it positively when a loan is disbursed promptly. This way, you also start repaying immediately upon full disbursement.