Problems with loan drawdown: priority use of equity?

Same opinion. First equity, then loans.

Everything else requires a written agreement or goodwill, especially considering the current (more favorable) interest rate situation.

Another approach at least for cost reduction: Try to arrange that the loan is paid out to a blocked daily money account at DSL Bank. Then you at least earn some interest and only pay the loan interest instead of the BHZ. Disadvantage: Repayment may then already start, possibly postpone the start of repayment a little here if possible.

And overall, this is a nice example that the "cheapest offer" is not always the best offer.

Another bank would have paid out at least part already if there was enough security through the property, even if that does not correspond to the agreement. Here you fully pay for it because the low-interest policy at least partially factors other victims among customers.

And one more thing: Has the extension of the provision of credit funds been applied for at KfW? That definitely has to be done (usually after one year).

Is it foreseeable how far you can still get with your equity? If > 6 months, have it checked whether you can waive the old, so far unused loan and apply for it again in 6 months. That immediately solves the BHZ question and you have a year of peace again from the new connection. But WARNING! If conditions have changed. Especially energy saving regulations and the like.