Is only part of the building permit enforceable? How long is the building permit valid?

In Greece, people build living space like this ... however, that is because they only build with available money, and that is why this staggering occurs. How will you manage the money/financing? That’s not just wishful thinking...

Are the Greeks ahead of us there?! A lot can happen in a few years, for example parents move in and "buy" a granny flat, job change, inheritance, and so on and so forth

Basement?

Uh, exterior walls?

Are the Greeks ahead of us there?! A lot can happen in a few years, e.g. parents move in and "buy" the granny flat, job change, inheritance, and so on and so forth.

The Greeks do not finance, but build as far as their money allows.

And now you come? How is that supposed to work financially for you?

The Greeks do not finance, but build as far as their own money goes. And now you come? How is that supposed to work for you, financially?

But that doesn't matter how it is paid. If you are referring to the bank – I don't know if they will go along with that. That was just an intermediate question from me.

But it doesn't matter how it is paid.

It does matter how it is paid at all, since you have to finance the entire amount. Or how did you imagine that? I am curious

It is not at all irrelevant how it is paid, since you have to finance the entire amount.
Or how did you imagine it? I am curious

Correct. Ideally, I imagine it like this: the bank approves and finances the entire project. But if I only draw the money for the second construction phase after 2 years, I pay commitment interest (although I saw that some banks don’t charge it for up to 2 years). If the construction doesn’t happen after all, you would have to talk to the bank that the total loan is not needed (only the amount for the granny flat + basement). There should be a solution for that. Do banks agree to that?

You would have to talk to the bank,

There you go