Local bank markets plots - linked deal

No, nothing exotic.

I would just like to have the choice, especially since I have already had good conversations.

In the end, you have to see if the conditions are right or if you leave it...

We also have to first see if the bank will give us money. Not every bank would do that.

If possible, buy the property with equity, possibly also partially through a loan without a land charge ([Privatkredit]). Then you can pretend to the bank until the notary signature that you will, of course, finance your house there.

Afterwards, you look for another bank for the home financing.

I also view the tying arrangement critically. It depends on who owns the land. If the bank owns it, then they can do it that way. However, marketing of community-owned land is often outsourced to such a bank. In that case, I consider the provision that the land is only sold if a deal with the bank takes place at least morally questionable. If the landowner (= community) allows something like that, I wonder about that too. But in your case, we do not know the exact background.

Everyone wants a turn. From the bank's perspective, of course, reprehensible but legitimate.

Do you already know that this bank is so far away from the market?

I don't believe that they will come around with 4%. Then everyone will gratefully decline.

Morally not kosher. Since the add-on regulation, which governed combined transactions but was more legal than one might think, was abolished in 2001.

If possible, buy the property using equity, possibly also partially through a loan without a mortgage (private loan). Then you can pretend to the bank until the notary signing that you will, of course, finance your house there.

After that, you look for another bank for the home financing.

This exact thing is probably excluded in the contract. Surely there are some regulations about this.