New construction financing - selling old house - experiences?

Formally you are right, in reality not, collateral can easily be placed over the entire amount and the bank knows that, existing property, additional property, a large motorhome, 6 months old, list price €350,000 and a stock portfolio that is well above the intended amount. I had considered providing the bridge financing myself by selling stocks, but due to the high tax burden that is not very enjoyable, because afterwards I can additionally buy back fewer stocks, so in the long run that is absolutely not a good idea.

Really, getting upset over a few ridiculous euros to bridge just €20,000, while a motorhome worth a mere €350,000 is standing on the lot – that just screams troll! One can only shake their head. I mean, you should be able to spend half a year comfortably in your luxury motorhome, right? It's really a shame for the people who seriously tried to help you here. Their time and effort could really have been saved.

That is correct, but the idea is to possibly negotiate it so that you have 6 months time from the sale and only then specifically pay a usage fee, for example for additional months, in return for possibly reducing the house price a bit.

So you do pay from day one – through a purchase price discount.

Stop calculating. Seriously. Both options cost more or less the same in the end.

Formally you are right, but in reality not; securities can easily be offered against the entire sum and the bank knows that, existing property, other properties, a large motorhome, 6 months old, list price €350,000, and a stock portfolio that is well above the intended amount. I had planned to finance the interim myself by selling stocks, but due to the high tax burden that is not much fun, because afterwards I can buy back even fewer stocks, so in the long run that is absolutely not a good idea.

Which then means more work again (by the way, banks usually do not accept motorhomes) and has to be paid for.

Really, getting upset over a few ridiculous euros to bridge just 20,000 euros, while a motorhome worth a mere 350,000 euros is sitting in the yard – that just screams troll! You can only shake your head. I mean, you should be able to easily spend half a year in your luxury motorhome, right? Really a shame for the people who seriously considered helping you here. Their time and effort could have really been saved.

Phew, I don’t really know what to say about that. Is it some kind of jealousy speaking out of you or what’s wrong with you?

Calling me a troll and speaking of “a shame” is really over the line. And apart from that, who’s getting upset? Shaking your head and calling me a troll sounds more like you’re the one getting upset right now?

For my part, I’m looking for the financially best solution for my personal financing. If that bothers you, just skim over it, think your part from me if you want, it’s your good right. But the comment is completely off. I don’t know how old you are, but there may be things far beyond your imagination that argue against your suggestion to live in the motorhome during that time, etc. You shouldn’t allow yourself to make a judgment.

But in the end, I don’t want to comment further on that, it’s not worth it.

So you do pay from day one – through a purchase price discount.

Stop calculating. Seriously. Both options end up costing (more or less) the same price.

What then makes more work (a motorhome generally is not accepted by banks, by the way) and has to be paid.

In the end that’s true and formal as well, I already wrote that. It’s more due to the topic of mental accounting.

I was more concerned with whether there might possibly be ideas from practice from which one could derive something for oneself. In the end, both cost money and you will probably be right at a similar level.

Phew, I don’t really know what to say about that. Is there some kind of envy coming from you or what’s wrong with you?

Calling me a troll and saying "too bad" is really over the line. And apart from that, who’s getting upset? Shaking your head and calling me a troll sounds more like you’re the one getting upset?

For my part, I’m looking for the financially best solution for my personal financing. If that bothers you, just skip over it, think whatever you want, it’s your good right. But the comment is completely out of line. I don’t know how old you are, but there might be things beyond your imagination that argue against your suggestion of living in a motorhome, etc. You shouldn’t judge that.

But in the end, I don’t want to comment on it further, it’s not worth it.

It wasn’t my intention for my comment to come across negatively. People often say you learn to save from the rich – and as for the motorhome, it was more meant as a little joke. Sometimes, after a few months, you realize the space might actually be a bit tight. But everyone looks for the solution that suits them best, and that’s absolutely fine.

No hard feelings – it wasn’t meant as a personal attack, just a casual remark. In the end, everyone should find their own way without misunderstandings. All good!

It was not my intention for my comment to come across negatively. No hard feelings – it was not meant as a personal attack, but rather as a casual remark. In the end, everyone should find their own way without being misunderstood right away. All good!

Well, come on, I’ve been in forums for a few years longer, that was not a casual remark, a troll is someone who is not taken seriously, who only disrupts the peace of the forum and shows no interest in a discussion. Accusing me of that is going too far.

Anyway, apology accepted.

I already wrote, this is not an everyday financing and I wouldn’t call myself rich either. I have had to work long and hard, at the cost of my health, and now I want to make the last years as pleasant as possible. That’s all. On top of that there is a kind of “competitive ambition” to get the best out of it. I can’t help it, it’s in my entrepreneur’s soul.

Sometimes people from outside simply have good ideas and I am never too old to learn from others, hence my question here.

But if overall it seems too trivial or if people feel offended, then I am naturally sorry.

I was more concerned about whether there might be practical ideas from which one could still derive something for oneself.

Actually not.
1. Selling the house and staying as a "tenant" in the house until moving out
- costs rent
- delays can be annoying if the new owner wants to move in and you can’t move into the new house yet
- costs money
- certainty about the sale price you will get
2. Bridge financing
- costs money
- delays only cost money, no stress
- no certainty about the sale price you will get in the future for the house
3. Equity use
- costs you "only" equity
- missing returns from investments
- possibly capital gains taxes to pay
- no certainty about the sale price you will get in the future for the house

You can and have to weigh up what suits you best personally. All options cost money, although it cannot be precisely determined in advance which amounts.
If you assume you can move in quickly, I would choose option 1. If it takes longer, then option 2.