Looking for financing tips - property security / parental leave

You will have to finance with the same bank anyway, because otherwise a bank would have to go into subordination, which is expensive.

So it doesn't matter to the one bank, as at the time you need the money for construction, only one income is available anyway. No matter how you look at it.

They don't have to, if they pay for the land directly. Then they go into the race with the equity of 100k for the land. I would buy the land directly.

They don't have to if they pay for the property directly. Then they go into the race with equity of 100k for the property. I would buy the property directly.

Read my posts again, that's exactly what I recommended...

I refer here to , as the topic is comparable from my point of view. And from this I understood that a separate, variable land financing DOES NOT lead to having the financing bank hanging around forever. You can also repay the variable financing with the annuity loan for the house construction.

Thank you very much for your answers. We will apply and then buy the property without financing, provided we even receive an award. :)

Then we just have to see what we can realistically add on with our income without too much equity... :D