Notary fees, land registry, property purchase

That's why I don't look at the interest rate for such financings, but at the other conditions.

Do you mean the conditions for the variable loan or for the subsequent construction financing? I wouldn't know directly what conditions (except perhaps fixed interest period) need to be considered there. Can you give me a tip?

That is only possible with smaller amounts or excellent creditworthiness.

What are "smaller amounts"? For us, 80k without hesitation and even more would not have been a problem.