Offer review financing single-family house 160sqm

Also financed through HVB. Communication both by phone / email and in the branch was pleasant and quick. Nothing negative to report. Had the best offer. @Allesandro That equity must be used first is standard and was probably also stated in your contract. Pacta sunt servanda.

Is it possible to change the repayment rate at HVB? And if so, free of charge / for what amount? How high are the [Bereitstellungskosten]?

How were the payments made by you? For example: submitting the invoice + payment form and then a transfer to your account and from there on to the craftsmen? How is it with the 7 payments? Do they insist on that or are they a bit flexible?

Is it possible to change the repayment rate with HVB? And if yes, free of charge / for which amount? How high are the commitment fees?

A change of the repayment rate is not possible with us (at least not contractually agreed).
Special payments are agreed once a year via special repayment.
Commitment interest is 3%.

How were the disbursements made for you? For example: submitting the invoice + disbursement form and then transfer to your account and from there to the craftsmen?
How is it with the 7 disbursements? Do they insist on that or are they a bit flexible?

Not quite, with us it is like this: submitting the invoice + disbursement form and then transfer directly to the craftsmen/GU’s account.
They are flexible with the 7 disbursements, we were told that directly. However, we have not yet reached the 7 disbursements, so I cannot confirm this from practice.

In general, communication with HvB has been very good so far.
We have a direct contact person and a representative, both of whom we were able to meet personally (via video conference).
Invoices are usually paid within 1-3 business days after submission.
I can therefore (so far) recommend HvB for construction financing.

Sorry, if I’m pressing again:

What counts as equity "that must be used up first" at HVB or in general?!

I would like to keep my stocks and ETFs and not include them in the financing at all, but rather let them work.

Thanks and regards

What you must use up is what you specify as eingesetztes Eigenkapital. If you leave €20,000 invested in stocks, then you might end up lacking that amount in the loan-to-value ratio, which could cause you to fall into a worse interest rate class. However, this can only be calculated on a case-by-case basis, as your equity, your financing amount, the bank's loan-to-value discount, and their equity thresholds all play a role.