Loan agreement with condition: valuation report

normally the appraisal is before the contract is signed and then there is zero room for negotiation. There simply is no loan commitment

Unfortunately, has newly built. There is a "forecast appraisal" or an estimate of value after completion. In this respect, the inspection of the property before development at best is very limited ;-)

in my case it lasted significantly longer with 2 hours even though there was already a sales appraisal from the real estate agent

==> Existing property. In the case of new construction, the bank has already collected a lot of information during the 8-20 months of the construction phase and only needs confirmation that everything is finished. P.S. You should also keep in mind what a sales appraisal from a real estate agent is worth. On behalf of / for the seller - the only thing a bank does with it is either press Del (on the keyboard) or file it physically in the round binder...

I just noticed that the appraisal company also offers video inspections for loan amounts up to 600 TEUR. Maybe that is an option.

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Well, I already have the loan approval. I also agreed to it. The question would be, what happens if I now withdraw my consent only regarding the interior inspection? Would that then be a reason for termination? I see, I probably have to consult a lawyer.
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You should above all ask yourself whether you want to start a dispute with your bank over such a triviality... In the end, they usually hold the stronger position, because especially in the current situation, no one can say "Yes, then just terminate me. I'll find something comparable or better!"

And under certain circumstances, you might want something from them in a few years. Then it is always good if the correspondence of the last years has not taken place through a lawyer.

That's exactly what I'm concerned about. If it is a reason for termination, then I'll leave it and just have to somehow organize around it. But if it's not a reason for termination, then I don't see why I should let someone in. It doesn't seem to be common practice in the industry to at least have an interior viewing... Yes, when the fixed interest period is over, I probably need someone else. But by now that would be my preferred option anyway.

I just saw that the appraisal company also offers video inspections for loan amounts up to 600,000 EUR. Maybe that’s an option.

And that wouldn’t be an invasion of privacy for your wife? Hmm… Does she know that you’re posting photos of the inside of your house here? I think if you handle it in a considerate and confident manner (insurance claims also need to be assessed, the installer comes as well as the chimney sweep, sometimes they bring apprentices along, and with classified ads direct pickup is also appreciated) situations like these are part of normal life. Be brave :)

But if it's not a reason for termination, then I don't see why I should let someone in. At least an interior inspection doesn't seem to be customary in the industry...

I do think it's common. Sparda also did that with our first house back then.
It really wasn't bad. A nice lady came, walked through for about 10-15 minutes, gave some compliments about the kitchen, took a photo here and there (I think one in every room), and that was it.
That then ends up in some folder in the bank's archive and probably stays there until the building eventually burns down. ;)