Include expenses already made in the financing?

Wait, does a construction loan also cover tools and other construction aids that are not later permanent parts of the property?

No, of course not such small stuff (unless you package it well in the invoices). But all "normal" materials.

Hello, well, a completely normal loan through De***a, with the low amount (under 100k) and the desired short term, it will probably be a quite boring annuity loan, I didn’t want to touch my equity because it brings me a significantly better return than the 0.75% (plus the usual additional costs etc) the loan costs me.

So once again. What kind of financing = amount, what costs = amount, which equity = amount, which property value = amount. Don’t let the numbers be squeezed out of you ;-)

And the kitchen is also often accepted.

Kind of. Of course you can include it in your cost calculation, but the kitchen is not included in the lending value. And if you want an 80% loan-to-value, the bank doesn’t care whether the kitchen or the new Porsche is also paid for from that, as long as the property can cover it.

Make a clear cost breakdown. If own work was listed beforehand and then tools were purchased for this, I see no problem. You could also borrow them (for a fee).