One large loan or one larger and several smaller ones?

Can (and does) the bank include additional funding in the financing concept? For example, state-dependent subsidies, etc. Or does the client really have to actively contribute everything themselves beforehand?

That depends a lot on the bank advisor. Land. it can, yes. However, it will earn more on its own loans.

One more question: Can (and does) the bank include additional funding in the financing plan? For example, region-specific subsidies, etc. Or does the builder really have to actively provide all of that themselves beforehand?

However, you should work out the information and possibilities yourself. Regarding your basic question: usually, in addition to the main loan, there are also KFW loans anyway... eventually it becomes clear.

However, you should work out the information and possibilities yourself.

Regarding your basic question: usually, in addition to the main loan, you also have the KFW loans... at some point it becomes clear.

I have already gotten an overview but I have some problems filling out the forms!
Currently, the following subsidies should be possible (we are building according to the Energy Saving Ordinance):
* Loan 124, :KfW Home Ownership Program for financing owner-occupied residential property

[B]Home Ownership Financing BW – Z15 Loan[/B]

Child Building Grant

...

edit:
I have now sent a contact request to the L-Bank BW in hopes of getting support.