Only financing during the construction phase

I have "witnessed" the situation twice in my circle of acquaintances over the past few years.

The first step is certainly the classic approach to the house bank. The conditions are usually not terrible, but for such a short financing period they are almost negligible. Internet banks or credit brokers usually do not do such short-term financing.

An alternative (and perhaps even the better one) is to go to a real estate agent when you want to sell, who sells the house with exactly that premise. In other words, you sell the house in Switzerland today and live there rent-free or renting during the construction phase. This way, there are no land charges registered, etc., and you also save a few euros, which you might then burn on the selling price of your old house.

Then sell the house, make a contract with 12 months right of residence for you, give him a price concession in return, get a 50% down payment. 50% on handover, when vacant, go to the bank and fix the short-term loan. Karsten

That is indeed an option I have in mind as well. The type and location of our house are optimal. Demand is significantly greater than supply. I tend toward a version with sale and transfer of ownership as of date X. We then still have 12 months right of residence (but the house already belongs to the buyer). The costs of this "rent" are of course deducted from the purchase price. I think something like this will be possible. At most, this period can even be shortened to 6-8 months: we are planning the house in D earlier, the land will also be bought earlier, and the planning with the house builder will also be underway. Thanks to timber frame construction, the whole thing will certainly be completed within 8 months.... (at least that's what I imagine).
However, I can only define the procedure once I know how the matter with the construction in D is/will be. The development plan is not yet in effect..... and so on and so forth. Considering the various other issues (emigration, accessing pension capital, finding health insurance in D, clarifying tax issues, etc. etc.) building the house should be a piece of cake......

I have "experienced" the constellation twice in my circle of acquaintances over the last few years.

The first step is certainly the classic one to the house bank.

That doesn't work: The house bank in Switzerland does not finance such things. And in Germany, I don't even have a house bank yet......
But selling and then living there is, of course, a viable path - probably even the best one.

A CAP loan with unlimited early repayment options would also be a suitable product. Or simply one with a variable interest rate. I have no idea about the situation in Switzerland. Does your Swiss house bank also have branches in Germany? Otherwise, approach German banks, but I have no idea whether they do business with foreigners.

Well. I am Swiss, but my wife is German. I think there will be a way.

If your PK is sufficiently funded, you can - if the regulations allow it - also pledge it to your house bank for the one-year period. After the house sale, then return it...