Payment request for property - how is payment made?

Hello,
today the payment request finally arrived in the mailbox.

Now a general question, as I have heard different things so far about the further procedure:

Let's say the property costs €150,000. Equity of €80,000 was stated in the financing. Ancillary costs in the loan calculation amount to €60,000. Of these, €15,000 have already been paid (notary / realtor), several other larger amounts (real estate transfer tax, utility connections, ...) are still outstanding.

I have now heard of 2 variants:
Variant 1: I transfer €20,000 (equity minus ancillary costs according to the calculation) to the builder account, the bank €130,000, and then the transfer is made. I have to provide proof once at the end that the equity has been used up.

Variant 2: I transfer €45,000 (equity minus what has been spent so far), that is my entire remaining equity to the builder account and the bank adds €105,000.
Here I would have to ask the bank about the payment process for every little invoice incurred and falling under ancillary costs. I find that strange.

How was it for you or maybe an expert can comment on what the usual procedure is.
Thanks and best regards

You have to ask the bank!

I only know that you transfer to the seller and/or notary account and the rest the bank pays from the loan!

We have, for example, submitted a form to the bank. The bank then debited the money from our account and added the rest (i.e., the loan). In any case, talk to the bank, there are different options.

Every bank does it differently. For example, I received the money in my account and then transferred it.

Now a general question, since I have heard different things so far about how to proceed:

That should actually be regulated in the contract. Equity upfront (cash or already paid invoices). Then the rest from the loan.
€10k (for example) as petty cash for small invoices and the larger installments through the bank. When the €10k petty cash is used up, the next tranche is released.