Is financing possible with ING?

Still, if you looked just as closely, you would see the tiles, painter and notary are also included!

What does "still" mean?
We're not on a quiz show or in a hidden object game here – you want something from the bank, so you have to present it to them in a comprehensible way. It's not us who need arguments here, it's you who need them.
Everyone here advises you to drop Plan A and roll out Plan B, which you obviously don't want to hear.
Because your neighbors supposedly managed (table is available) to build without the mentioned extra costs for our listed items construction road and construction electricity, you take the hints for construction electricity and water. Regarding the mentioned baseboards: tiles need tile adhesive. Marble needs natural stone adhesive. You pay 3000 for tiles, then another 1000 comes on top for adhesive and so on. But none of that is on the neighbor's list anyway ;)
So, make something of it. Don't resist the experience of a forum. It's not so anonymous or superficial here.

Harakiri. That is a very skimpy pair of panties, very skimpy to impossible

[Nudism] so to speak

What does "still" mean?
We are not on a game show or in a hidden object puzzle here – you want something from the bank, so you have to present it to them in a comprehensible way. We don’t need arguments here, you need them.
Everyone here advises you to drop Plan A and go with Plan B, which you of course don’t want to hear.
Because your neighbors reportedly managed (table available) to build without the extra costs mentioned for our listed items construction road and construction power, you take the notes for construction power and water. About the mentioned baseboards: tiles need tile adhesive. Marble needs natural stone adhesive. You pay 3000 for tiles, another 1000 for adhesive and so on. But none of that is on the neighbor’s list ;)
So, make something out of it. Don’t resist the experience of a forum. It’s not so anonymous or superficial here

Ok, here again it only operates with insinuations playing on stupidity (we want to build because someone else built – what kind of nonsense is that). We want to build because we don’t want to spend the rest of our lives in a rented shoebox, for which we have to pay more and more. We looked at quite a few condominiums beforehand. Unfortunately, you end up at more or less the same price for something reasonable. And not even new construction. Let’s consider the necessity of moving because of living space: for even at least a 3-room apartment we now pay in Berlin from 1500 euros warm upwards! Prices keep rising. Sums that in the end leave you with nothing in hand.

Let’s consider an option: now land and in 3, 4, 5 years the house. How much can we save if we simultaneously a) finance rent (even the existing apartment, which is not enough) b) finance a variable loan with the rate that makes sense (definitely no 1% repayment). And how high will construction prices go in that timeframe? In the very best case, the savings go into the “black hole” without the actual value of the house also increasing accordingly for the higher price. That is the problem and our general attitude that the earlier you start building, the “cheaper” it will end in the end (yes, even if you pay 1% interest for the first two years! We will have to adjust upwards anyway!)
A bit off-topic, I deeply regret that I didn’t buy at least a one-room apartment back in 2012 when I studied here, when the financial means were available (through my parents, which is criticized here so often). Now I would have something in hand and everything would be easier. In 10 years I will regret it the same way that we didn’t push for it now! We won’t get any younger. I think the attitude is understood.

I have already understood the appeal. First land, then house. Nevertheless a) the construction contract is already signed. We can withdraw from it if the bank refuses us. Without further conditions. That is firmly regulated. b) see my arguments above.

Best morning entertainment here. The fact is, you are making yourselves unhappy with your plan. When I already read "unusual for me to live in a rental" then that is just arrogant. The people here all just want to help you, but you behave like a cornered dog. So many points are missing in your cost breakdown, all mentioned multiple times. Your equity is only fictitiously present. And you do not have the income and the time to still turn something around afterwards. Open your eyes and withdraw from the purchase contract! The ING will hopefully reject you, but if not, then you have a problem.

How much can we save if we simultaneously a) finance rent (our own existing apartment, which is not sufficient) b) finance a variable loan, with the rate that makes sense (definitely not 1% repayment). And how much do construction prices increase during this period? In the best case, the savings go into a "black hole" without the actual value of the house increasing accordingly to the higher price.

By paying off the land, your equity increases. It's like a "forced savings." The development of construction prices naturally works against this. I am currently facing this problem as well.

Best morning entertainment here. The fact is, you are making yourselves unhappy with your plan. When I already read "unusual for me to live in rent," that is just arrogant. The people here all just want to help you, but you behave like a cornered dog. So many points are missing in your cost breakdown, all mentioned several times already. Your equity is only fictitiously available. And you don’t have the income and the time to still turn something around afterwards. Open your eyes and withdraw from the purchase contract! Hopefully the ING will reject you; if not, then you have a problem.

I present my arguments why this decision, which we also did not make overnight, is coming about. Yes, the first sentence about living in rent is arrogant! But it is also like that sometimes; cultural background/previous experiences also play a role in the basic attitude. More argumentation will follow afterwards. However, this discussion is not necessary and not helpful, this ping-pong does not need to happen at all. I take note of everything that is specifically named – as missing items. If in the end it turns out that we actually did not include it (here my husband has a much better overview) and it costs us further debt, of course, we will withdraw from the building project.